This might sounds stupid, but it put my daily carry in a plastic bag, if I am going to carry in a place that I will get wet(such as a theme park, or whatever). I also place it in one of my bags that has a false section to carry a firearm. When one of those idiot "guards" attempts to search my bag, I let them look in and move on.
It might add to the time it takes to get to my firearm, but I would rather not submerge it for no reason. If chaos ensues, I will knock heads with my cane, while getting my firearm out.