Re: undecided photo ??
I think it feels slightly out as the horizon line is in the centre of the photo- as suggested cropping might alter the balance to the composition.
As it is I think the 'eye' is not sure where the attention should be- the sky section, the horizon/reflection, the sea or the shore. They each have an equal demand.
It is a good photo though but I would play around with it to enhance the drama of it- force an emphasis somewhere.
I use Photoscape - it automatically saves the original. It is not a lot of use with RAW files as it converts them to jpeg to manipulate them.