Ok, putting things together, trying to get them to work.
This is my second successful image.
I want to get more realistic water, because right now it looks a bit oily
any C&C welcome
Would really like to make this work
As far as the water's concerned, that funny rough 'oily' look is from the wind patch settings.
If you are after calmer water try reducing them or turning them off. That way you can get that glass look, or you could put in some small waves to have a wavy look.
Your terrain could do with a couple of more shaders, or perhaps just tweak the ones you have. A little more colour variation is what I would go for.
The terrain shape and pov look good. Will make a good render when complete.
Iain
Iain is right. I like your lighting, though.