Pull the damn thing apart, dump the powder out and and see if its all clumpy or not, put the empty case in the gun and see if it will fire.
10-1 its OK. Give us a report if you like.
In Vietnam we waded in rice paddies, swamps, and rivers up to our necks, the only thing that stayed dry was our hats and our rifles if we held them out of the water. The ammo was in our packs and in a belt around our waist, never had a problem with any misfires.
I went bear hunting one spring, some years ago in a wilderness area in Ontario. The only way to access it was via canoe. The ammunition I used was reloaded by myself and it had been reloaded multiple times. We did capsize the canoe when we attempted to negotiate a small stretch of rapids. The ammo boxes got wet along with the rest of the gear. It was the only ammo I had and it fired flawlessly. I got my bear and my partner used my rifle to shoot his bear because when we capsized the canoe his gun stock got broken.
Wet cartridges really aren't worth worrying over in my book. Just my 2 cents.