There is a movie on Netflix called Black Island that has a pretty good wetlook scene about 10 minutes from the end. A woman with shoulder length red hair walks into a pond and goes all the way under water. Then, she comes up and drags a guy in with her and has to chase him when he gets out.
Keep Breathing is another good little series on Netflix to watch to, woman on a little plain that crashes in to a big lake and the two guys die and shes left stranded, a few wet look scenes with her in jeans boots vest jean shirt and jumper swimming and underwater plenty of times.