I don't like that you cam see the streams where the droplets have formed and ran down her contour. Also, you can see a sheet in the background. Not so great for a minimlistic shot. Like everyone else said, the lighting IS too harsh and localized for this type of shot. Vaseline or any other oil/fat based substance would work great to get the water to bead like you need it to, but it might make streaks. I'm not too sure. As mike said, you're going to need a faster shutter speed. You're getting quite a bit of blur in the shot shown here, the first one. Also, for me, seeing the panties kind of puts the photo more on the seductive, temptress, kind of voyeur shot, instead of the artistic, dramatically lit body's ape shot shown in the example.
So, to sum up:
°Get softer lighting.
°Get stronger lighting so you can
°Get the shutter speed up.
°Work on different techniques to get the water to bead. Correctly.
Hope I helped some.
Mark