I can imagine nothing more miserable than having a day out on a massive expensive yacht... on the Baltic Sea.
(Regular rich people might have some fun on the ferries, but billionaires probably don't, because this involves buying a ticket and sharing the ship with the rabble.)
One day, I wish I had a shitty old fishing boat and go slowly puttering through the rain and gloom. Living the real life.
Most recent time I was awestruck by a thunderstorm in a game? Forza Horizon 5. One of the early missions involved heading out in the jungle during a massive thunderstorm and it was just legendary. Visuals, audio, everything.