At a road intersection, vehicle can interchange. At a railroad intersection only one mode can use the way at a time.
A river/highway crossing is not an intersection. The stream does not stop for traffic. These features should not share nodes, no mater how they are tagged. I see no problem with a rule that says streams have implicitly lower precedence than highways: then only exceptions like dry washes need be tagged. The only case where I'd created a junction between stream and highway is for an arroyo, where in fact only one way can be used at a time (either the stream is at low flow or the roadway is impassable). -1 on the proposal.
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