How deep of water for stock Outlander 650 XT

Seriously, I know it says up to the floor boards is ok, I get that.

Riding with friends last weekend, I refused to cross a small creek in which I caught hell from them for not going across. The water would have been a few inches higher than my feet I’d guess. Did I do right in making that call or how deep am I really ok to run in and be safe. Its completely stock Outlander 650 XT. I wanna have fun but don’t wanna do anything wrong nor be called a wuss.