I love visiting the Arnami worlds.  Yeah, most of them got Winter Contingencied during The War, but those that survived are something else.  Yes, they do live under water.  No urban legend there.  Heck, a bunch of them live in the Great Lakes, so I actually grew up with them.  Most of their cities are pretty shallow, close enough to the surface anyone can see them.  But they go pretty deep when they want to.  They rarely live on land.  Too dry, too bright.