沾
=
占
+
氵
:
Someone is pouring out a bottle of water (氵) on the higher floors of the anthill, but James II of England (zh), standing on the street (an1), quickly puts up his yellow umbrella (占) so that only his umbrella is moistened (沾).
湿
=
显
+
氵
:
Sherlock Holmes (sh) is investigating a wet (湿) puddle next to an empty water bottle (氵) in front of the space station (Ø1). Although it is very obvious what happened through the conspicuous (显) empty water bottle, Sherlock still has to think hard about it.