A bloated corpse shows up downriver from a Taoist monastery. Brought to you by
the words bloat, corpse, redhead, Tao, monastery, murder, underwater treasure,
chains, Wuxia, and romance.
Pirates' many bejeweled rings and piercings actually had a practical purpose - when the pirate or sailor died, the rings could be taken off as payment for a proper burial, saving him from a watery grave. This could be tied into regional culture, or made into a quest (The Pirate's Lost Rings, etc.). Also gives treasure-seeking divers another thing to look for besides crusty old chests.