I use Google ImageFX and Whisk (Imagen 3 and 4), and I think that's what Gemini uses, but the dunk tanks it gives me rarely look like real ones. It usually gets the blue basin right, but the placement of the fence, the seat, the target and ladder make no sense, or it makes the basin huge, like a small swimming pool.
I tried your prompt and a bunch of variations and it did make great wetlook images, but the dunk tank is more miss than hit. Not your fault, of course. :) I'm plagued by OCD when it comes to making believable AI images. I've tossed out so many where the focus looks great, but glaring inaccuracies in the rest of the image bug me.
Thanks for sharing the prompt idea though. I'm gonna play around with it some more :)
Extreme realism seems possible nowadays. I have often instructed AI to give sunlight, but wetness seems surprisingly effective without - also in the other lake image. This definitely deserves my like although the casual/non-covering type of clothing is not exactly my thing.
This too shows excellent wetness and it is easy to imagine the dress underwater. To me, realism suffers a little if truly imagining the frontal dimensions of the model.