I apologize for being so tardy in joining this thread. I just moved across town, and my presence here on the board has been nearly non-existent for more than a week.
Anyway, brother rat, I’m not totally sure just how to address you points, but I’ll try to bang out something here. 
When I sat down and derived those equations, I was making some pretty big assumptions. The primary one relating to your point is that I was totally ignoring the time during which the person was part in, part out of the water. As you point out, this may be a critical thing to overlook, but let me explain why I think there’s still some merit to it.
I was not trying to come up with the final word on this, by any means. In my opinion, people were getting so hung up on the surface properties of the water that I felt that something far more important (and simple) might be getting ignored - plain old drag. So, I forgot all about the interface, and looked at what would happen to a person who magically found himself totally submerged in water, moving downward (well, feet-ward) at 30+ meters/second.
I don’t really think I proved anything, but the numbers I got suggest (IMO) that hydrodynamic drag would slow this person down fast enough to kill him. I got my info on G-tolerances here. It sounds like their numbers are given for properly restrained subjects, which in our case is likely not true. Tolerances may well be lower for unrestrained individuals. They make reference to internal injuries suffered, including vertebral fractures, when limits are exceeded. (For example, at 45G of forward acceleration, the heart rotates in the thorax and causes tears in the aorta. Bad.)
You (quite correctly) point out that some external deformations of the body are likely to take place - probably before it’s completely submerged. That’s fine, but what is it that causes these deformations? Drag or surface effects, seems to be the unresolved question, right?
This is a very incomplete response, but I’ve got to get home tonight. Rather than save this, I’ll post it anyway to keep the thread alive and let you guys know that I’m here. I’ll post more tomorrow.