Not sure in what world water in the oil would cause that. Contaminated oil will decrease the lifespan of an engine but I've not seen it ever cause a drive ability issue.
Did you drain the belt case? If not, start there. Then start looking at every single electrical connection on the bike. Take them apart, dry them out, apply di-electric grease and put them back together.
I agree with the previous two comments. Start by pulling the belt housing off and check the clutches. If the primary has mud caked on it this could be your problem. Mud can either be causing the primary not to open all the way which in this case your bike would "creep" bc the primary would be dragging the belt or like JLowery said it may not be closing down all the way. Is it sluggish when you hammer on it? Do you hear a squeal coming from the belt housing?
I bet you got something in your primary. If I remember it wasn't too hard to get the belt cover off my 850XP I think they're made the same. Mine was stealth snorkeled and it wasn't engaging right I took the belt cover off and found all kinds off stuff in there.
I agree sounds like its the primary. If it isnt snorkeled the stock belt exhaust snorkel is in a TERRIBLE location. It comes out right above the exhaust pipe or I should say this is how it was on my 2010. I couldnt do any kind of water wheelie without getting mud/water in it.
If its sluggish you are probably going to need to change the belt as well. Be sure and look it over good when you pull the belt housing off. Look for glazed marks on the sides and kind of frays or tears in it but the biggesst sign will be the glazed marks on the side.
Have you noticed the stall has gone up on it? This is a sign of belt wear also.
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