A young woman in a life vest and cap sits with a paddle in a kayak.
The model includes 6 simple materials and 15 textures:

Body material: Color(8K, JPG), Reflect(8K, JPG), Glossiness(8K, JPG), Height(4K, PNG), Opasity (8K, PNG)
Clothing: Color (4K, JPG), Height (4K, JPG)
Vest: Color (4K, JPG), Reflect (4K, JPG), Glossiness (4K, JPG), Height (4K, JPG)
Boat: Color (4K, JPG), Reflect (4K, JPG), Glossiness (4K, JPG), Normal DirectX (4K, JPG)
Glasses: procedural multi-material with two IDs

VRay version: 3.6
Corona version: 1.6

You can remove the vest, glasses, or cap to get additional variations of the model, as shown in the sixth (second to last) preview.

Don't forget that all black and white maps and normal map should be applied in the range of 1.0 or non-color mode.