Hello Tracybee,
Great to hear you enjoy the game!
It sounds like a fine setup you are using, especially the monitor. I nearly bought one myself recently but decided to stick with the 1920X1080 resolution for a while.
Anyway, it is sadly not possible to change the weather while sailing. Only while setting up the freeroam scene before playing.
The walktrough camera has a fixed height.
There are two other nice tricks with the camera that are interesting to know though;
On some ships, pressing and holding the walktrough button will spawn the camera on a different location.
For example on Oceana, pressing it once spawns you on the bridge, while pressing and holding the button spawns you within the Atrium.
And one other trick, in "3rd person" view where you can rotate the camera around the ship, if you press and hold the scroll wheel or middle mouse button, and you move the mouse, you can position the camera's center of orientation. This is usefull for larger ships or creating nice screenshots/video's.