SDXL, which is overtrained with upper body, does not like expressions with cropped body parts in the water.
I have created a original dataset of “cropped torso” or “cropped head” in onsen and a LoRA to assist with this expression.
For the onsen lover.
you should use either Trigger word at your preferred strength.
Also, I don't trust the Partially Submerged tag. There is 36k images in danbooru , but the meaning is too wide. There is an existing LoRA, but it is similar.
https://civitai.com/models/1267144?modelVersionId=1429206
similar contents⬇
https://civitai.com/models/1136721/submerged-shoulders?modelVersionId=1278112