Re: lower unit oil
Loosen the bottom drain plug ... and see what the fluid looks like.
If it's been several days since the motor was last run, and there's water in the gear case, you'll likely see water drip out first.
If you've run the motor recently, and there's water in the gear case, you'll see something resembling chocolate milk.
If the fluid that first comes out is clear and oily, then you probably don't have water intruding into the gear case!
When is the last time you changed the oil in the lower unit? Did you put new washers on the drain and fill plugs?