Oh this is delicious. First: the picture is gorgeous. I love the colors you used, the way her foot is trailing in the water, the way her head is tilted back... Guh!
And then the fic. *faints* First person was a brilliant choice, it really makes her thoughts so immediate and real. The fact that she knows they are there and it makes her hornier was perfect. And her assessment of both boys was spot on. James would be rougher, Severus would be gentle. Shame she couldn't have field tested both of them. LOL.