as Mr Huub says, it all depends on your rig, and where you live that dictate how you,personally would like to 'see' the water.
If you're looking for a few sets to start with,then the ones by Bill Lyons (in the 'Silverwings' package) and those by Peter Wilding are a good choice....but someone else is bound to suggest different, based on what they see on their rig.
this is not meant to be a criticism of anyone,its' just how it is,its the same with clouds and sky,
each combination of computer and graphics card will produce a slightly different variation on the final picture.
hope this helps
ttfn
Pete