AF,
I can sense your frustration (almost a disturbance in the Force) but there are many serious, lab-coat-wearing, possibly pipe-smoking engineers and scientists working on this problem and the ramifications thereof. I am told that the sum of available knowledge on fuel/water behaviour at different temperatures is not at the level that many expect it to be - there is an attempted remedy in progress. Please be patient.
Have you seen phase diagrams for plain H2O or Iron/Carbon? Amazing complexity for a pure chemical or simple mix; I wouldn't be surprised at all if some hitherto unseen weirdo behaviour of certain concentrations of water, hydrocarbons, temperature and pressure comes to light...