If you have ever been so unlucky as to encounter a body that has been immersed in warm salt water for 24 - 48 hours, you will unfortunately know all about the contaminated water aspect.
Warm or cold water, 10 minutes or 48 hours, death causes the loss of bladder and bowel control which produces contamination that you do not want to expose your face to. Contamination can also take the form of hydrocarbons released when a vehicle is submerged.
This is the same reason that you see PSDs wearing drysuits in Florida.