Saw a tut somewhere w/ good idea fer droplets (P5); (paraphrased) Make a "clone" of yr figure. Put a "glassy" or "water" type tex on it. Add a displacement map fer the droplets...tut said to make yr own (may have had a link to one?), but I tink it may be possible to simulate one w/ a Spots or the ever popular Granite node (haven't personally tried) Pose yr clone EXACTLY as/ where yr original is. Render w/ Firefly. Voila!

WARNING!

This user has been known to swear. A LOT!