@procyonlotor You don’t really need to mask anything. Honestly unless the game is multiplayer you probably don’t need the full body unless you’d like to see your feet. If you wanted to mask anything you’d have to add different materials to different parts of the body in something like Blender. Then in Unity, change the shader for those materials to be transparent. If you were using it in multiplayer, you’d have the full body character on a different layer than the upper body, then your first person camera should be set to only render the upper body by changing the culling mask. Nonetheless you probably don’t need all that if you’re going for a single player game.
Water simulation in Unity would be done with shaders, but water shaders tend to be pretty complex. Depending on how realistic you want your water to look you can either get a water system from the asset store, or you could use some of the premade water prefabs Unity has. Adding foam and small waves can be done relatively easy with some vertex shaders. Here is a link to some good water tutorials with Shader Forge: https://nordeus.com/blog/art/50-shaders-of-forge-prototyping-with-shader-forge/
