You should get the lens checked at a Fuji service center.

What is the best thing to do? The X-T2 body is okay but the lens has quite a bit of water and not sure what to do!

Do you shoot in RAW or RAW+JPEG? If you import the files to Lightroom or another RAW converter, the app may overwrite your B&W image with a new rendered one. Just to be sure, try to shoot in JPEG only. Andreas

When I shoot in Acros and download images they turn into Color why don’t they stay b&w?

Just as a general strategy, I think the Custom Settings are good for recovering from the frequent problem of some unknown setting getting accidentally changed. Don't know aboutXH2S, just X-T3,4,5 cameras. I have C1 set up as my typical use setup, and could just hit that to get most settings back where I expect/understand them. C2-C7 I reserve for special uses. Any thoughts on this, folks?