By far, the most apt use of HDR to my senses and thus a complete and quite satisfying image rather than just an effect. I'd have this shot in first place.
Use of Light:2
Focus:1
Composition:1
Creativity:2
Achieves Challenge:2
Great use of HDR to bring out the great clouds above - yet showing the dark area clearly along the horizon. I just wish the horizon was slightly lower in the picture.
How PRETTY! I love the reflection showing the autumn trees, but not being able to see the trees. It makes a wonderful composition! It does in fact look like a water color painting! Beautiful job.
This is really interesting the way you've left the horizon so minimal and the reflection so maximal. One could find symbolism is 'man' vs nature etc. Really nice.