Signed up for the freebie plan on Ideogram.AI These are the pictures I have made so far. This is really easy even if it isn't perfect. I think the last one I selected is my favorite so far (she is on the raft looking at the camera) because it is so real it looks like my model in my pool, if I had a model and if I had a pool. Unfortunately, it shows poor Jane's birth defect where both her feet are backward!! But I will fix that with a surgical clone tool before saving it to my collection. If my surgery turns out good I will repost the new image.
BTW, my last sentence in the prompt was: "She enjoys this." and you can see the difference from before.