Suggestion for Iray HDRI package with alpha water channel

FrankTheTank

I don't know if this is possible, but I would love to see an HDRI Iray package which contains mulitple water backgrounds, but insteal of the actual water, have an alpha transparent channel.

So for example, I own DAZ Studio Iray HDR Outdoor Environments, 21848, by Dimension Theory, which I really like and used in my animation that you can see here, and it came out pretty good but obviously it would have been a lot nicer if I could have animated the water. Had I been able to have the water area masked as transparent, I could have easily added moving water in post production.

Anyway, just hoping one of you PAs sees this and a package of multiple options would be great, maybe an ocean front, lake, island (alpha channeld on all sides), you get the idea.