This is a valid point, the short answer to which must be: First, look to see whats in front of you. ie: if you can see the vegetation covering the bottom (or the stones) it is almost sure to be hazardous. I think speed can help in certain situations tho I don't think speed is the only answer.
Slow speed can be just as hazardous when consideration is given to the loaded bike, once it starts to lose traction nothing is there to stop it sliding - so you and the bike get wet!
I don't know if anyone can give you a certain positive answer to deal with this problem mainly because the problem will be different at every crossing.
Maybe having a look first (to judge the best path) followed by a not-too-hasty blast?
Cheers George
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