Well, as far as I'm concerned, I've finished the image. You can look at it here.

Now the only thing I am dissatisfied with is it looks like some of the wooden pole things holding the sails are way too dark. I did that accidentally somewhere along the line and was too lazy to start back over on getting rid of the antialiasing on the entire boat. Oh well, it doesn't look necessarily bad, just doesn't match the rest of the boat =/

And hopefully the boat will seem more...submerged. I also redid the boat's reflection in the water and added some clouds. Finished! Total time for everything...probably about 6 hours.

Thanks for all of the comments, everyone.