My .02 on why fresh water is more dangerous for ESD
You have to consider this is a 3D problem. If you put two parallel plates in the water and applied a voltage, current would flow between the plates depending on the concentration of charge carriers in the water. More charge carriers equals higher conductance (or lower resistance) so equals higher current.
Now put a single hot electrode in the water with a ground reference but the other "electrode" is the earth. Ie, the other electrode is everything that is grounded which includes the actual ground under the marina.
Remember its a 3D problem and conductance is proportional to the number of available charge carriers. First consider some small distance from the electrode and if the electrode is near the surface, this forms a half sphere. Since the diameter of the sphere in this case is small, the volume in the sphere is small so the number of charge carriers is also small. Low number of charge carriers is higher resistance.
But as you move farther out, the volume of the sphere increases with the cube of distance. This means that the number of charge carriers is also increasing as you move away from the source by the cube of distance. Since conductance (1/resistance) is proportional to the number of charge carriers, the 3D conductance "seen" from the hot electrode increases very rapidly as you move away from the hot electrode. Or put another way, the 3D resistance decreases very rapidly as you move away from the electrode and in fact decreases with the cube of distance.
Now look at the volts per distance as current moves away from the hot electrode. The 3D resistance is dropping with the cube of distance away from the electrode so by ohms law, the voltage per distance (electric field) is also dropping with the cube of distance.
What can you conclude from this.. In salt water, the charge carrier density is high so the 3D electric field spreading out in all directions from the hot electrode drops off very quickly and may be dangerous for only a few inches.
But in fresh water, the charge carrier density is much lower so the 3D electric field from the hot electrode spreading out in all direction extends out to a much larger distance than in salt water. Ie, instead of a few inches in salt water, the dangerous level of field might extend out many feet in fresh water.
The danger is when the swimmer moves into that electric field which causes a voltage potential across the body. Fresh water will have a much larger dangerous electric field distance from the electrode than salt water.
This also means that if the swimmer simply moved away from the hot electrode by a short distance, they could be safe. Remember the electric field is decreasing with the cube of distance away from the hot electrode. But it also means that as the swimmer moves toward the hot electrode, the electric field would be increasing rapidly.