Messed around a bit more with the wave based on the feedback. Eventually decided to just make it a crash because I didn't want to spend all night on just that one spot. Not 100% on it, but it'll work. If I have time later, I'll come back to it. Started rendering the material on queen, as well as resized the arm/head, finally.
I think I'm gonna place a dude leaning over the edge of the boat where the viewer is. I'll put his head where that wave is so I can hide it. That'll solve everything