Well looking at your description, i think you have a fairly good and solid concept. :D but that could have translated in a far stronger wall than what you have right now. :x forgive me but i feel a little disappointed with it because some of the potential is as yet unexplored. before you throw large/heavy/sharp/explosive/otherwise dangerous objects at me though, i'll attempt to explain. ^^;

i love clouds but what you have here appears to be a blend of stock photos that has undergone minimal treatment. this kind of photorealism in an anime wallpaper isn't quite suitable. but the greater issue is the lighting. most of your clouds do not match up with the sun. >__< careful and logical lighting is one of those higher-level things that really show off the skills of a waller (but by no means am i implying anything about your skills, which are definitely good enough to impress quite a bunch of users xD;). taking into consideration the location of the sun and the directions in which its rays would travel, you could have created an equally dramatic and stormy sky, but with lighting that makes sense. and in reality, the sun breaking through the clouds of a dying storm would not look quite like this... but never mind that. unlike with lighting and perspective and maybe some other stuff, being so true to nature in this aspect isn't always necessary, i suppose. oh, and i know you deliberately limited the golden tones to the center of the wall, but it would have been nice to give the other clouds highlights that reflect the color of the light source. ;P

some things about the rain: the droplets are too dense to be rain letting up and their uniform size is also not very visually effective. it would have been prettier if there had been size and focus variation to give the illusion of depth.

the lighting on the girl is also puzzling. had the sun and the girl been in the same plane, specifically, one that is perpendicular to the viewer's forward line of size, then what you have right now would make sense. however, the sun is actually located in the sky behind her. if the sun were to light her from there, she'd be much more of a silhouette (as in thinner fringe of brightly lit area). if she were to be lit as she is, the sun would not be within the visible area of the wallpaper.

just some thoughts about lighting and stuff that might help improve your work in the future. i hope i'm not offending you because i don't mean to. D: i take the time to write a lot when i think the person has the ability to go that extra distance (and deal calmly and maturely with my ramblings) :'D take that next step! now, if you still want to throw anything at me, please have the mercy to wait till i have some shelter. x]