Ulco, thank you very much for the rain file. I used it in the below image. I think that is where I got the small turbulence in the water. For rain though, it seemed to always turn to mist or to cloud out the whole scene. I must have been using wrong altitude and incorrect density sizes is all I can think - as it certainly looks fine in the tgd you provided! I think I still learned a lot from the file though. Your water is the best!!
I had fun with the 5 dollar Borgo model by Rudloc and the already seen SeaTraveler by Kaol. The Borgo town model is the same object stacked on top of itself with the top shifted back and turned backwards. I'm going to have to put that into a hill/forest scene if I can get the energy.