Swapping in/out rolls is standard in professional practice, at least back when 35mm ruled, and much of that film back then was destined for the front covers of magazines, as mine was throughout the 1990s up until 1998.
In the case of your question, loading, unloading and reloading any film is as normal as getting up in the morning! How do you imagine there is harm in this?
True though, it's tedious and requires a clear head to record notes of where you left off in the roll, and of course marking the roll as "P/E #n" (part-exposed, with #n being the next frame number) of "EXPOSED" is essential. I don't often use 35mm now, but the 'switcharoo act' was very common when 35mm was my only format (20+ years ago), as many as four rolls in one day to suit conditions.
There is no harm whatsoever, however imagined, to the film, be it negative or chrome. Just ensure you make a note on the cassette of where you left off when it comes to reloading.
I would be less certain about water not having entered the cassette, and more about the detrimental effect of water within the camera. This is how rust starts.