This was my entry for the Skin-a-Scion contest.
Here's the base model (and primary reference photo) I used:[link]
You can check out the background-less version of the image here:[link]
Done completely in Photoshop CS3: 80+ hours -_-
Thanks to everyone who commented/critiqued on this; I really appreciated it.
The most noticeable fixes are the reflection in the water, the addition of street lights, the addition of rain, adjustments to the lighting/reflections, and some other minor touch-ups.