After a ton of tries. I finally made a little Water effect that didn't lag the gameplay much. While I seriously doubt this will be the final product. It is a nice start that was fairly easy.
I used the Pinball movement and added some extra code to correct any stuck or flying water particles. Seems as though once you hit about 500 drops. Some particles would fly off the screen.
Anyway, here is the example.
If you guys want a little downloadable example. I will add one.