This recipe is a little complicated because it also includes a tan line map you can leave those bit out if you want. There's 3 parts to this. First is a recipe for a water drops compound node. This just produces procedural water drops. It could be replaced in the final shader with an image map if you don't want to make the droplet thing.

Second bit is the compound node that adds the tan lines an the water drops to the figure's base texture maps

Finally the shaders to roll it all together. Note this is a hybrid shader. You can ignore the firefly bits. If you do render it FF the specular will be too hot.