Michelle - With a circular polarizer, you should be able to adjust it so that it does not remove the reflections. My experience with CPs is that they only work for significant reflection removal from water/windows when used in a very specific way (specific range of angles to surface with filter rotated to a second specific angle to match the polarized light coming off surface). I've read articles by landscape photographers who are both for and against the use of the CP for landscapes. I know Moose Peterson uses them alot (his famous CP + 81A warming filter combination), but I don't know about his water shots. The ones who use it say that if used correctly it can remove the blue tint/haze on the land/water (as well as darkening your skies and acting like a ND filter) without removing water reflections. From my experience, I'd agree with that, but it's something you'd have to set up correctly for it to work properly. Then again, most things with photography are like that. :) However, since you already have ND filters and a Cokin setup, I'd experiment with those and forget about fiddling with the CP to get it set up right. A partly cloudy day, early morning/late afternoon and a ND filter should allow you to hold down the contrast in a shot like this so you get good shadow detail without blowing your highlights out. -=>Donald