Some water damages are more than "a little bit of water". The included SD-card of my 3DS XL stopped working from one day to the next without incident... couldn't be reformatted either.
Luckily it was in the first weeks and I wanted to replace it with a 16gb card anyway, so no big loss. But there are countless possibilities how you could lose your save games, don't play dumb.
http://gamrconnect.vgchartz.com/thread.php?id=195486









