Fair skinned model- If you have a "painting" program I suspect you can alter the color on a texture you already have to be fair skinned. Do be warned however that can very much effect specularity and lighting. 

Water bubble- bet you can get that effect with a primitive object ..if you want some help I can try and work one out for you.  PM me if you want me to work on it for you.

Water splashes and rings- hmmm.. Might be able to make those from a primitive plane and d-form..

If your still missing the horse I think maybe one of the big bundles at daz that is currently free may have one of those.. I could be wrong however. And then you may be searching the web for a better horse texture..

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