I took my very dirty bike out the other day, hoping it would get a good clean. It came back dirtier than it went out but I reckon I replaced the muck on it three times over during that ride. Loads of surface water and the muck that gathers in the middle of the little lanes that I like to cycle on had spread out all over the road in places.Puddles clean rims.
I once used a long big puddle in the tyre track area of a single track lane to clean my tyres. I had thought about pot-holes but convinced myself there was nothing to worry about. I hit a massive one several inches deep with a hard cliff-like edge. I was lucky not to have caused any damage to the wheel or bike but my foot on the downstroke went under the water.