The major benefit of the claim of "water resistant" may be not in using it underwater but that should the phone get dropped in water - and stop working, that the damage would be covered by the warranty.
Without the water resistant claim, if there was water damage inside the phone, they might not cover the phone repair/replacement.
Indeed. And if anyone has tried to use a capacitive touch screen under the water anywho should know that even with waterproofing, such as a lifeproof case, the touch screen doesn't register touches at all. Any level of water resistance or water proofing is more or less to protect the phone from accidental exposure not allow you to use it submerged.
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