Grinding noise driving through water puddles drivetrain

[Kokain]

So I never mentioned this before but it keeps happening all the time when its heavy raining and floods appear. I never slow down and the car is like a jetski but if you catch a big one the drive train keeps making grinding noises and I can't figure out which part exactly is at fault. It's definitely not engine as air filter is dry. Noise stays consistent and irrelevant to rpm or gear changes. The first thought you have about it is your disc brakes are grinding with the pads. its bad in a straight line, but worst if you steer half way but it gets nice and quiet at full lock.

Could it be water in the CV joints? Is it actually the discs? Anything belt related? water in the bearings?

p.s if you park the car for few seconds its gone, if you leave it for 30+min it will never come back until another season of floodings.