Okay, so your water looks like its still running in rivulets, as if she had just *seconds* ago emerged from a pool. That doesn't match with the smile and the pose that we see, so instead of dripping water, my eyes see cracked skin at first. It doesn't have to do with your technique, it has to do with what I (as a person in the audience) expect to see. I would actually love to see the top image with water-beads and a slight sheen to the skin, as if she had gotten out of the pool a minute ago and was posing for a picture before toweling off. Bottom picture is also nice, but I encourage you to revisit the water.