Let's come up with an amphibian race!

Okay, here's the deal. Amphibians, like other races, have a penalty when transitioning between land and sea. To travel on land, they need to buy a ship, and then they can travel on water without penalties. Amphibians have a penalty when traveling on land. Therefore, it will take a considerable amount of time for them to reach the water through dungeons and land (underground seas are not connected to surface seas). But land-based creatures will quickly recoup the cost of their ship. However, amphibians move faster on water.

Added 1 minute ago
Let's call them Garians. It's more interesting and sounds better.