It only takes one step!
There are areas on my current lake I will not wade at all; between the causeway and the dam wall is a definite 'no chance'.
A mate went in, in his wetsuit and life jacket, rather than chest waders, to land a fish. He said that the silt he stepped in came up to his knees, and without someone pulling him out with a rope he had tied himself to would have struggled to get out.