I wish to thank everyone for their comments ! It is appreciated and here is the final product with correction of those shiny rocks, a better snow line, trees with some "nuance" in lighting and a whisper of high clouds !
This is probably as good as I can do it for now but I am still learning !
I am not very quick at this so will not produce a whole lot of images...the next ones will be variations of this one !
All the trees are XFrogs conifers, the foreground plants from the Walli collection of grasses and plants (from Silva 3D).
The foreground rocks are mine, done in Blender and modified to some degree in Terragen and changed to TGO files. They are big....so as not to see the polygons.
I have made a file available for download for one version of those river rocks and more to follow. The TGO may look a bit different as I had to change the image texture to avoid copyright issues. I replaced the original with a texture from my own images and gave it the same name. You can change it to your own my simply copying it to the folder and give it the same name or change the assigned image in the Default Shader. There is a file in pdf that may save you some time if you experiment. Please read it...it is short and should save you time, especially if you decide to assign some further displacement to the TGO.Enjoy !
Paul
https://www.dropbox.com/s/r2ij5cje5dehijv/RiverRockTransfers.zipPS. Will also make it available in the file sharing section with illustrations if you want an idea before downloading.