I would think it’s also a function of the ink used, but the print surface does matter.
I know some printers from some manufacturers are supposed to have water-resistant inks (typically the photo-oriented product lines), but I can’t tell you which specifically is the best at the moment.
Similarly, I know some lines like the Taiyo Yuden WaterShield line are supposed to be able to handle most inks with no smudging. Unfortunately, TY no longer makes those discs, but CMC acquired some of TY’s technology, & you may be able to try the (mouthful) CMC Pro powered by TY discs. They still market a WaterShield line of discs (I assume using the same WaterShield print surface), so that may be worth a try.
As for M-Disc media, I’m not sure. I haven’t checked recently, but due to it being a very specific type of media, they may not have a wide variety of print surfaces available. Someone may be able to comment on how they perform once you print on them.