Water setting - able to customise?

[Underscore]

I run in VR so FPS above 45 is everything.... but so is beauty

Currently I run water at medium as reflections of all objects in every water surface hits FPS too much and at medium I get nice looking water without the reflections..... however flying the hornet I would like ship reflection in the sea and at this point over the sea, I have FPS to spare (one of the few times!!)

However I do not have FPS to spare over land with reflection of trees and objects in the coast line water and rivers / lakes

So question is......is there a file we can edit to get ship reflections working but not all the other FPS's eating objects (trees / buildings / objects / land mass)

 

Thanks in advance and great if ED could add this as another water setting