I don't think fresh water alone has the disastrous effect, especially if covered in thick silt. It is fresh water and air, such as you get in your bilges etc.
So if you submerge your wooden boat each winter and bring it up for the summer the woodwork will be fine. Pity about everything else!!
History repeats itself.
SL Dolly, the oldest mechanical propelled craft in the world in the SteamBoat Museum was also recovered from the bottom of Ullswater. I have a book about the recovery operation.
Interestingly the fresh water preserved her.
Even the Boiler
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"Fresh water doesn't have such a disastrous effect on wood,"
I would love to know where he learnt that. Nothing kills a wooden boat quicker than fresh water.
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Fresh water & air is great for rotting wood & growing mould etc. But I doubt you'll get much air at the bottom of a lake. Don't you remember doing the "nails in water" experiment at school? One jar is open to air & nails rust, other is sealed & nails do not rust. Similar effect with wood & rot. Both dry & wet rot need oxygen to grow.