well, I'm definately trying to understand
I tried out that paint effects rain on an ocean surface two weeks ago, and considering that three weeks ago I knew absolutely nothing about fluids.... let alone particles (which I've been forced to pick up on as well) I think I'm making some progress.
When you know nothing, you can understand little.
Basically right now, I've done some work with ocean / pond... just making ripples and make the ripples interact with other objects. There's too many dvd's and such out there, but they mostly all cost money. And when you're eating one meal a day, you tend to be a bit weary about spending money.
I have been playing with realflow this past week, as I'm going to be trying to make a teleport effect using a bubble of water in a couple of weeks, and a waterfall as well.
It's tough to teach yourself effects while trying to keep up in a character animation course...