Jumping into water

Answering your questions in reverse order:

Yes, a long pointy object (like your arms over your head, in a dive, or your pointed toes in a feet-first entry) will make a big difference. Remember the tongue-in-cheek adage, "it's not the fall that kills you; it's the sudden stop?" That is exactly what differentiates a fall onto concrete from a fall into water: how sudden is the stop. And making that stop LESS sudden (decreasing the magnitude of deceleration during the stop) is exactly how airbags save your life in a car crash. One can decrease the magnitude of deceleration by reducing the ratio $(\Delta V / \Delta t)$. Since there is roughly a linear relationship between time and distance traveled during the instant of impact, you can achieve the same effect by reducing the ratio $(\Delta V / \Delta s)$ where $s$ = distance traveled during the deceleration event. The easiest way to do this is to lengthen $s$.

One thing to remember about the water fall statistics is that a large number of them are likely "unpracticed". These are not olympic divers working up to 250 feet. A large proportion of them are unconditioned people forced into a water "escape"; or, worse, are people TRYING to die.

Assuming you are doing the right thing, and optimizing your form for water entry, you will simultaneously be minimizing your wind resistance during the fall:

1.) A fall from 30 feet will result in a velocity of roughly 44 ft/s = 30 mph.

2.) A fall from 100 feet will result in a velocity of roughly 80 ft/s = 54 mph.

3.) A fall from 150 feet will result in a velocity of roughly 97 ft/s = 66 mph.

4.) A fall from 250 feet will result in a velocity of roughly 125 ft/s = 85 mph.

The first case is a tower jump I did for the Navy, and is trival for anyone who is HWP and doesn't belly flop. The second is an approximation of a leap from a carrier deck, which the tower jump was supposed to teach you how to survive (be able to swim after the fall). The third is only 20% faster entry speed (and force) and should be survivable by anyone in good shape and able to execute good form (pointed toe entry, knees locked, head up, arms straight up). The La Quebrada cliff divers routinely dive from 125 feet as a tourist attraction. If forced to choose, I'd pick a feet-first entry at 150 feet over a dive at 125.

So the interesting part is the stretch from 150 to 250 feet. My guess is that the limit for someone voluntarily performing repeated water dives/jumps from a height of $x$ will show $x$ to be somewhere around $225 \text{ feet} \pm 25 \text{ feet}$.

EDIT: There are documented cases of people surviving falls from thousands of feet (failed parachute) onto LAND. These freaky cases of surviving terminal velocity falls do not answer the question practically; but they are there. For example, Vesna Vulović is the world record holder for the biggest surviving fall without a parachute.

From searching I find that the survival rate from a fall depends on the deceleration rate that the body undergoes on impact, and that depends on the surface of the fall. Water is less punishing than land.

Here is a quote, which I will not source, but can be found on the net.

Stone states that jumping from 150 feet (46 metres) or higher on land, and 250 feet (76 metres) or more on water, is 95% to 98% fatal. 150 feet/46 metres, equates to roughly 10 to 15 stories in a building, depending on the height of one story. 250 feet is the height of the Golden Gate Bridge in San Francisco.

Most publications are behind pay walls and have to do with statistics of suicide survival, not a pleasant topic.

It obviously depends quite strongly on how hydrodynamic your entry is. Try doing a belly flop from 2 meters: ouch! Wheras competition divers routinely dive from 10M. Having grown up in a pool, and jumping/diving off the ten foot board I am amazed at current law, which makes it illegal to lave a 3foot dive without the water being something like 17feet deep. Ours was a mere 9feet, and thousands jumped dived in over a period of decades with noone getting smashed on the bottom. So I suspect if you get the hydrodynamics just right, you can end up pretty deep/fast. Thats the position you need to hit in, but its probably well out on the tail of the distribution. I believe I had heard about a case of someone falling into the ocean from 20,000feet and surviving (must have been a parachute failure or such), and it may have been only an urban legend, but I have no reason to doubt that a lucky landing at terminal velocity is survivable.