Seems like a stretch. We suck at swimming (compared to bears for speed or distance). The breath thing seems unlikely, polar bears for instance seem quite adept at swimming underwater. Hair doesn't seem an issue either, hair (assuming it's not knotted) doesn't easily catch on things, and hairy bears seem quite adept under water. Sure whales used to be hairy (and has some residual hair today), but that's more the lack of need than any lethal hair+water problem that kills them off before they reproduce.

I've seen numerous speculation on the finger wrinkles, possibly an adaption.... or possibly just happenstance. Sure today's fingers prune significantly, not sure they would do the same if heavily callused by a decade or two of hunter gathering for all your food. In any case it's not unique to humans, macaques have similar and I suspect it's noticed because they bathe. Couldn't find any information on other primates.

[edit for minor spelling/grammar tweaks]