i have both those settings on (blocking watersports and turning off emergencies) and it's still coming up a lot, wound up uninstalling over it because it seemed so unavoidable and frequent and it was turning me off.
working as a maid? game's describing how yummy the piss in a toilet looks. no blurring.
explore uptown? triggering a fully blurred out scene about piss, fully visible choices of 'drink from the bucket' or 'pour the piss on yourself.' click to leave the scene and get an 'are you sure?' scene, still blurred, but the option doubling down on drinking it isn't.
enter the pillory? getting a scene that's mostly blurred out due to piss, the lines at the bottom about the character being 'drenched in piss' and how wet her hair is with pee and that the piss is stinging her eyes are not blurred.
i have urination emergencies off and still got a mention during a tavern scene of my character pissing herself. it was greyed out but it still happened.
that's not even mentioning how many of the underwear you can pick up make sure to note in the inventory that they're soiled with dried urine.
it sucks, i really like this game otherwise but it's just making me so damn nauseous :(