Using animations and anim notifies to drive the locomotion and steering (player controlled). I removed the collision spheres from the oars and set up anim notifies that send a signal to the character blueprint to fire the force impulse via an interface. This has made things a lot smoother since the force is applied when the oar "digs into" the water as in the real world instead of applying the force as soon as the sphere collides with the water. The spheres are gone, but the sockets remain and that's the point of origin for the forces. Doing it this way also prevents collision from accidentally applying directional force when not desired - such as when being hit by a wave. Overall, this is a simple system to use animations to drive the locomotion and steering logic, but man I can't stop thinking of other ways to use these notifies now.
The Water Physics plugin (yeah that's the name of it) handles the water physics and is amazing.
Unreal 5 Player Controlled boat rowing water physics | UE4 UE5
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