There’s bathing and there’s swimming. This is a multi-purpose lake. Most of the time while in the lake, Ringo is neither bathing nor swimming, by the way. He just is in the lake.
Where does Phoebe’s Mom keep the paint while painting? Shouldn’t there be a pot or two, or a palette or something either in her other hand or nearby? If she gets the paint on the brush somewhere else (in the kitchen, maybe?), and then walks to the canvas with the drippy brush, she risks spilling paint on the way.
For a T-Shirt, maybe combine the artwork of the first or fourth panel with the text of the last one.