[RPG] Does combat while swimming affect anything other than movement

combatdnd-3.5epathfinder-1e

Does combat while swimming affect anything other than movement speed?

I assume that melee/ranged combat is affected if a PC is underwater after failing a swim check or choosing to dive?

Do these effects have a different impact to creatures with a swim ability e.g. Reefclaw?

Best Answer

Combat in aquatic terrain also affects attack rolls and damage as well as other things in a very complex way. The online Pathfinder SRD has an entire section dedicated to the rules on it that answers all your questions (what about with a swim speed, etc.).