In the past I have always processed the lake water and ocean water together. In the future it may be possible to do them separately. In RS Sino major rivers were also processed with the lakes and ocean as area vectors.
In GlobalMapper I have a shoreline layer and a coastline layer. The coastline layer vector define the ocean, harbors, and large rivers.(its a continuous line) The shoreline layer defines those areas that you want to have surf. (It doesn't have to be a continuous line around your water features.)
An interesting thing I found while searching the files I found a texture called reef which I have a vague memory that I was going to add a reef in certain areas of Pearl by means of the vector process by re-doing railroads, roads, rivers, etc.
Thanks Andy for that info. I wish I knew more about Ankor's add on. It would be ideal to integrate that into the build, or maybe best to add after. I don't know I just don't have the capability right now to understand it and include it.
River line vector textures have the shoreline as part of the river texture. It should be possible that a shoreline texture for lakes and major rivers can be processed in the vector processing with rr, roads, etc. Just use the vector line(shoreline) of the lake and river area vectors.