Completed scene. Humans modeled in Silo and rigged/posed in Blender, boat modeled in Blender, shading done in Painter. Lightning inspired by Hannes and made with Blender's ivy generator. Water foam based on examples posted by Dune, Hannes, with a few tweaks. Thanks to Kadri and Was for their help with the slanted rainfall.
The scene is set in 1821 on Oneida Lake in central NY state. The boat did not make it to shore . . . the model is based on the wreck of a Durham boat discovered on the bottom of the lake in 2011.