ToME: the Tales of Maj'Eyal

Okay so I read that the pro-strategy to beat difficulties like insane or madness is to drown. I guess it's possible to "drown" npc's in towns for phat lewtz?

How do you do this though? which npc's is it best on? I tried to google this but all I could come up with was the discussion thread on the addon that replaces this mechanic. http://forums.te4.org/viewtopic.php?f=50&t=47468

So can anyone explain to me exactly how to murder townfolks? and which townsfolk to murder specifically? I've never seen any npc "drown" before that I can recall, EVER. So I am quite confused.

Drowning is not "required" in any way to win insane it just makes the early easier.
Drowning is going to be removed in 1.6 (soon tm)
To drown simply switch places with npc until they are in the water, then wait. It works only on rare+ because you gain xp for the deaths of those NPC no matter what/who killed them.