I would urge you to mix two parts medium grey paint with one part blue, and paint the bottom of your river with that. When it dries, add some black to the first mix, not much, and paint a broad band near the middle of the first layer, but vary its edges a bit, not jagged, but flowing. If you wish for a deeper look, use black to make a thinner streak dead center, but also flowing.
Once that dries, use painters’ tape to dam any open edges, and then use your medium poured over the painted bottom, trying for no layers over about 1/8" thick. Two layers should be lots, but you may want more. Also, if you want a more natural look for brackish water or water with silt and organics suspended in it, you can dye your medium with a little dollop, say 1/8 tsp, of Hauser Medium Green from the crafts section at Wally’s, the small plastic bottles of acrylic liquid craft paints, and add about half as much again, just a tiny drop, of yellow paint to that. Your water will look like slower moving summer water. Otherwise, leave it clear.
Over the cured surface of your medium, paint a thin layer of gel gloss medium, looks white like cold cream and comes in a white jar often, like Nivea Cream. Spread it, and then turn your foam brush on its side and gently stipple. Turn the brush handle to different angles.
The gel medium can take several days for the last of the whitish peaks to go clear, so don’t be alarmed.
For low angle photographs of your lake or river, you should hope that you have a white or a slightly sky-blue reflection showing on your stippled surface. From a canoe or a boat, even standing on a bridge, as you look further away from your position, the water will be a stippled reflection of the sky. Only looking down, with your back to the sun, will you see brownish lake water due to tannins, maybe greenish river water.
You should have brought your fishing gear!
Crandell