Too chilly to swim...

I think it looks great! It could use some sound. Based on the title "Too chilly to swim", maybe add some more things that give off that impression. Fall or winter weather, cold and gusty winds, birds flying south, etc.

Looks amazing, especially the lighting and the water. The only thing I might maybe change is the moss, it seems a bit out of place somehow. Great work!

Excellent scenery and lighting !