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.
This also deserves posting to the AI curiosities - one of the more special ones! Fortunately, the other picture in this set shows that she got disentangled from the swing.
This is high-quality wetness. The blouse is the easy part, but the skirt is clearly saturated and it is easy to imagine that the woman is also wearing a pantyhose. Copilot may not have made it like that, but the long distance from the dark skin of her face and the "whitening" effect of the blouse both lead to this.
A natural context, illumination and pose, different face (like also in the adjacent picture), moderate smile, thorough wetness. These are ingredients of this excellent shot.
Wetness is very successful here both because of the context and the wetlook of the fabric. If there is any problem it is that it seems not very comfortable to approach the woman just now. But imagination is indeed given an excellent starting point in this image.