Using sources 1 & 2 make a new background. I cloned out the lighthouse and mountains from source 1 because I just wanted the clouds. Source 2 was flipped horizontally and colors adjusted to match.
Using splash brushes, paint splashes around the model.
I painted each splash onto a new layer, rotated and warped them to match the clothing lines. I ended up with 80 splash layers altogether.
Some of the splash layers had emboss layer effects added.
Rain was created as shown in the following tutorial.
https://www.youtube.com/watch?v=g3mtp7cZSN0