When working on scenery, move rolling stock before proceeding. I use rubbing alcohol as a wetting agent. Sometimes, you don’t move rolling stock before spraying and you get resulting white spots. To fix, brush the dust off the roof, then respray with Dullcote.
Well, I do remove my rolling stock and engines (and vehicles and structures, too) but my simplest trick for neat, no-overspray wet water is to use a pipette, never a spray bottle. Application is much tidier and more precise. This is even more effective when ballasting, where you don’t need to cover a wide area, just a narrow strip.
I never use a spray bottle when ballasting. The only time I use one is when doing a large area. I just have to not be lazy and move motive power and rolling stock off the area I’m working on.