Gutsy or dumb? Bit of both?
The Pentecost River on the Gibb is the longest water crossing I have done. I was quite happy to turn the car and van around and drive the four days and 550km or so back out if I wasn't sure we could do it. There had been 220mm of rain in 24hrs a week earlier and the water was pretty high. I waited a hour and a half before I saw someone with a similar set up as us do it.
The Reynolds River crossing in Lichtfield was the deepest, but not flowing much and had a sandy bottom with some corners around trees. I saw some muppet with a huge, dual axle can go through and cave in the side of his van when he dragged it across a tree, then smashed the bottom when he bottomed out on a stump on the exit. There were several signs either way that said no vans. For the sake of saving two hours it cost him thousands to come up from Daly River.
The Bungle Bungles has some deep crossings depending or rain.
When I lived in the desert I refused to cross creek lines in flood because of the clay base that provided zero traction. MT certainly would help then, but if I need them I don't want to there.
If it's flowing, don't go. If it's up to the top of your bumper, then things can start getting hairy and watch someone else first.
Don't walk rivers in the North of Australia. Big bities live there - thanks to the fella he told me I was bloody idiot when I was a quarter of the way across the Pentecost.