I've tried and is really tough to make it look what it should be.... like you say it's really down to the lighting, you make models look reflective static but once they move into different light situations then they don't work... I made some good mud textures, and the water being that it's always californian blue and unchangeable as far as i know????, like european rivers are that colour...lol more like a dirty brown/green. The makers have never been to Europe I doubt... I wouldn't personally want to tackle this again.... just not work the massive effort involved....