Tthe one thing nobody mentioned was the enviromental fines! There was a guy a few years ago that sunk his truck while plowing a drag strip on the ottawa, he was close to shore and tried to get it out with his backhoe and guess what? Then there was two in the ice!
He was nailled with fines from everybody you can imagine and given so much time to pull them out, they ended up getting a crane from shore and pulled it out for him, I heard they ran the belts right through the windows and pulled it out of 3' of water that way. Rumors are his fines were about $30 000.