Excellent! I love stupid ideas. To answer your questions.
1. I don't drive under water.
2. When it rains, I put the skylight panels back in. Takes all of 30 seconds.
3. Radiator cooling fans are sealed and intended to get wet so no loss there.
My Wildcat is purpose built to my personal riding style. In the event that I didn't have the skylight panels in and I got water through the vents (through the fans) and ultimately on me, I can't see myself melting. I build high performance (80+mph) jet skis. I am no stranger to water.