Water Material. How long will all that bad? And what to do?

Plane reflections are expensive but they should’t be over the top expensive. Performance cost should be always less than the normal rendering passes. It should be possible to reuse all the shadow maps. Reflection pass could skip most of the post process effects. It’s also should use smaller render target size which basically linearly scale the performance. So even without any LOD tricks it should only be about 30-50% of the normal frame time.