As someone who lives in the north of Sweden, I hope that Skyrim models the climate up here so that the lakes, rivers and sea all freeze over in the applicable season. Then you could walk across them and indeed ice fish if desired. I also hope that you can fall through said ice during late autumn or early spring when it is thin, or use it as a trap against enemies. In addition I hope that unless its summer time, that swimming in cold water svcks your endurance away at a horrific rate, leading to drowning.
Oh and to return to the purpose of the thread, yes I'd like to see a full underwater ecosystem too. Not just water monsters.