Been playing around with some assets from the Quixel Megascans library. I have to say, it's pretty amazing. Their Studio tool lets you mix, layer and blend various different materials together to create as many variations as you need. The water features is fun!
The interface is clean and simple. While it lacks any really powerful blending/masking tools, it still does a really good job blending between textures.
Texture I created by blending various scans in Quixel Studio
And boom! Now it's wet!