I'd better make a new post. Did another one with the rocks and sand, and another go at a beach scene. The latter is quite promising, IMO, but needs work. The thing that pissed me off most was the time it took for a layer of RT reflection on sand and a water layer above that. All these reflections going up and down had to be computed, took 4 hours on an i7. I have to find a way to not use RT reflection on the wettest sand, and fake it by double reflection and a blue sheen, or something..... that's for later.
In the first one there are still highlights under water, which I later took out by a min height control. I had to give the rocks and sand two separate 'layers' of reflective wet edge, didn't work in one go at the end of the line, somehow.