Refraction works mostly fine. I personally use scene color node but there is nothing wrong with refraction and built in post process ones.
Water reflections really could use plane reflections. SSR just isn’t enough for big water surfaces. Single sphere capture isn’t also very good. Transparent shading is bit off but almost good enough for surface. Volumetric lighting is something that you need to implement yourself which is rather messy because you don’t have all the information available at material pass. Lights under water are doable but not super easy problem to solve.
But in any case such a negative attitude will not help you anywhere. I know it can be frustrating sometimes.