Aquatic robots have expanded human access to underwater environments, yet many underwater spaces contain obstacles that can disrupt open-water locomotion. In "hydro-cluttered" environments, water is interspersed with rigid and flexible clutter, making body-obstacle contact unavoidable. Operating in these spaces requires robots that can regulate and exploit contact, but this regime remains difficult to model or simulate. Building on recent advances in mechanical intelligence in terradynamically capable limbless robotics, we develop principles for 3D aquatic locomotion using AquaMILR, an elongate limbless robot that combines bilateral cable-driven actuation, programmable body compliance, distributed depth regulation, corrosion-resistant enclosures, and onboard power and electronics for untethered field operation. Systematic robophysical experiments reveal that programmable body compliance regulates body deformation and converts body-environment interactions into fast, robust, forward progression across increasing hydro-clutter constraint strength. Depth regulation provides three-dimensional access, allowing the robot to bypass clutter, recover from obstruction, and continue through otherwise inaccessible routes. In potential jamming scenarios, emergent inertia-induced rolling acts as a spontaneous recovery mechanism, freeing the robot from clutter that would otherwise lead to failure and allowing locomotion to continue without additional control. Tests of the robot in an aquatic mangrove field demonstrate that these principles transfer to practical operation, enabling navigation and onboard visual inspection of inaccessible root zones. These results establish principles for hydro-cluttered locomotion and a design paradigm in which aquatic robots exploit environmental complexity as a locomotor resource.