Friends who have ran e-lockers, have had no issue with deep water crossings, nor muddy or snow conditions.
I think the whole reliability debate is kinda overdone. Elockers and arb's are well proven.
I do think that sometimes more common discussions on reliability can get deep. BUT.. the LACK of RELIABILITY can be very costly in a 4-wheel drive set up for serious wheeling – no matter the terrain.
I believe there is enough historical and current evidence of the difference in cost, reliability, and strength between an ARB and an ELocker to make my decision to go with a well-proven and less risky option to choose the old Detroit Locker in the rear diff, and Marlin’s favorite lunch box locker for the front.
Here's an interesting overview of the diff options – with pros & cons.
https://www.fourwheeler.com/product-reviews/1506-pros-and-cons-of-different-differentials-making-traction/Gnarls.
