In this case:

• this comic artstyle is very characteristic of AI, down to the line weight, facial expression (these soulless eyes and smile), and how the character is positioned;
• the bus has no door;
• the picture has a yellow-ish tint, which has been plaguing certain AI image generators ever since the AI Ghibli trend. They likely overtrained their slop machines on Studio Ghibli works and various other “cozy” artstyles/pictures.

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Not necessarily? Icy water would have been rare, but even in the summer water from a stream or a lake is colder than the air, which is enough to make it refreshing. And well water can be very cold.