Here's a nifty trick to let you use some sky images that happen to have ground that shows through the water.

You set this shader up on it (save it so you can use again and again).

The shader has a blender where you get to put what color to use on the bottom half of the environment sphere. This obliterates whatever nasty bottom image is there, like this road and desert.

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Renderosity forum reply notifications are wonky. If I read a follow-up in a thread, but I don't myself reply, then notifications no longer happen AT ALL on that thread. So if I seem to be ignoring a question, that's why. (Updated September 23, 2019)