Possibility: Check on the color, transparency and reflection settings. All three will have an effect on how 'watery' the end result is, beyond the refractive index. It's a balancing act. For example, a calm puddle under a blue sky will be effected more by the sky's reflection. A rippled water will have areas that reflect what's above it, as well as areas that show the water's own qualities.

RosemaryR
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"This...this is magnificent!"
"Oh, yeah. Ooooo. Aaaaah. That's how it starts.
Then, later, there's ...running. And....screaming."