modelcrazy
and fill the rest with acrylic gel
Or whatever the top surface is--plaster, silicone, gloss medium, whatever.
Also, if underway, you are going to be putting in bow waves, too, as they interesct the surface waves, so it's not like you are going to skip building up surface features.
Now, for much harder is using textured plexiglass so as to see the underwater hull. That's where you want to make a cardboard template that is as precise as you can make it. (Unless you full-on cheat, and just cut the hull at the waterline and glue it to opposite sides of the plexiglass.)