A Modern Man on Horseback in Shallow Waters

Produce a hyper-true-to-life image of the person attached in the uploaded reference image ( Keep the face of the person 100% accurate from the reference image ) riding a brown horse in shallow waters by the seaside. The person wears a grey tank top, slightly wet, clinging to his chest and shoulders, and a cowboy hat. The scene is illuminated by cozy sunlight, alongside blurred mountains in the background and the vibrant blue sea contrasting alongside. Refine: name the rendering engine you want (Octane, Cycles, Unreal) for sharper output.