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.