Thank you so much! That first one--and I think I have to actually mouse OVER my character and press the right click button PULL DOWN while going forward (w) for it to work, and it doesn't work right away--but it DOES work! It was the pulling down thing that confused me--simply clicking didn't work at first, but then pulling her down into the water with the right click engaged did.
Whew! I'm on a Mac, so maybe that behaves slightly differently, I don't know, but the left and right click at the same time just made the perspective spin around, and for a while she was running on top of the water instead of swimming (which was, in itself, pretty neat, but not what I was trying to accomplish, lol).
I also notice (now that I've gotten her below the surface) that in order to get back up to breathe, I can't just hold the spacebar--I have to press it repeatedly, but, as I said, that also works, albeit more slowly. I remembered having trouble figuring out how to get underwater back in 2005, too, but my roommate at the time was an expert so she was there to coach me!