Your basic mistake is assuming that the front of the water drop is aerodynamic. It isn't.
Surface tension of water pulls it into a perfect sphere. This has nothing to do with aerodynamics.
And the front of the water drop isn't pointy because those water molecules are being pressed back by air pressure in front, and pulled back by the surface tension.
If the front of the water drop were shaped like a high velocity bullet, it would fall faster.
Because the pointy nose does not cause as much of a pressure increase in the air in front of it.
So you ARE arguing with nature.
