Just freeze all the water and you'll be fine.
Anyways, I just took a trip in a tatra because I've been wanting to. The first update (sorry, I'm not sure version numbers) warned me that the base version of the update didn't match mine, but I "ignored" it, and did the following update(s). It stuttered quite a bit for a while, despite not needing any terrain downloads, and terrain quality loading was pretty slow. (and road lines are still pretty darn ugly and jagged). But then I went on my trip in the tatra and it was usable for that and didn't encounter any bad issues (besides the general Outerra weirdness we know and my general framerate not being high) (and man, OSM having no icons whatsoever for navigating (with just text) is awkward, and I still wish we could disable the map autozoom). But I had no interaction whatsoever with water (besides seeing it at a distance of course). However, roads cut through the "forest shade" effect pretty harshly.
woops, off topic.