Thanks for the comments calico. I have not used any images on the fake stones. I had tried a PF directly into the fake stones and the same PF through a material shader.
T-U, I was not real happy with the water either. At some resolutions the surface looks like depressions on a flat surface rather than waves. I will definitely be working on it.
"This is looking good already for a WIP." - It has gone through many, many versions to get to this point.
I finally got it to where I felt comfortable sharing and I was hoping for some options about how to deal with the fake stones.
I'll give your ideas a try. Thanks.