Well, about water reflection and detail.
I just did a comparison to the new loading screen.
I tried various dates and time of day. I can not get any better reflection. Best reflection is with 2 knots wind. 5 knots shows some detail in the water, but reflections are almost gone. 9 knots looks good for details but no reflection at all.
All shots are done with highest water and reflection settings.
Well, either the loading screen is heavily photoshoped or the dev version of FS is still using very different image quality settings.
Loading screen
2 knots
5 knots
9 knots