Awesome detail! Everything comes out very nicely. I don't think you need to bother about the RT reflection 'under' water indeed. But I'd check anyway. Most important issue is the highlights that may occur under the waterlevel, but likely there are not parts that would make them in this setup.
May I make a few more suggestions; dirty up the poles, especially the lower end, where they sink into ground. Rain splattered dirt/mud againts them and such. Same goes for the buildings at front. If the poles are a pop, it's easy, if it's all individual it's more work, if it's one object, well easy too.
And I would give the plant objects alongside the road just a tiny tilt of 3º or so. They have some kind of evenness to them (but this is really nitpicking).
And perhaps roughen up the stretched lines on the dirtroad a bit more, some bigger, some smaller?
And a last thing (sorry); give the waves a bit more variation, like wind patches. They seem very even.