Update on BG WIP

Went at my background wip for a bit today. Just added some lights & darks really & worked on the reflection in the water. Pretty happy with it, I think I'd just like to further define the overhang of the embankment. It needs some grass or twigs hanging over in places & maybe some roots & such popping out of the dirt as well. I'll post that when it's finished, but in the meantime, let me know what you think of this version.

And another version using Squirlz Water Reflections (link on right side of page). Let me know what your thoughts are on the effect here. I can tinker with it more, but in general does it add appeal or detract from the painted look of the image?
Here's the link.