if the top one is fine, then the bottom one won't be a problem. Assuming you run into a situation where you absolutely have to drive through standing water (this has far more things to consider than just your air intake, but i won't get into that here) unless you submerge both filters 100% you won't suck in enough water to hydro lock an engine. Just like if you capped off one filter the engine wouldn't die, it would just breath through the other filter.
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