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Slackerboy's right, you should see for yourself. But it leads to another underground passage with some minor loot. The only enemy there is a hungry rat. The 'lake' next to the bandit mage also has some loot underwater.
There's is no skill required to swim. The closest one is Athletics and I belive that only determines how long you can hold your breadth and your swimming speed. As long as you come up regularly for breath you won't risk drowning. Swimming also helps build Athletics faster than running.
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