I couldn't sleep, and some ways to make changes based on some of your suggestions popped in my head so I decided to work on the pic until time to leave for work (2 a.m.). The water was the main problem so I decided to scrap the infinite plane. With the camera angle I'm using (and I like the POV) the bump just wasn't convincing. I created a massive terrain and squashed it flat. There's no bump, just the terrain itself, and I think it's much more convincing and natural looking as water. I also dipped the little guy lower in the water. Excuse the render quality, the final will be much higher res. Better?

This is not my "second childhood". I'm not finished with the first one yet.

Time flies like an arrow; fruit flies like a banana.

"I'd like to die peacefully in my sleep like my grandfather....not screaming in terror like the passengers on his bus." - Jack Handy