A Monte Carlo code for ocean color simulations has been developed to model in-water radiometric fields of downward and upward irradiance (Edand Eu), and upwelling radiance (Lu) in a two-dimensional domain with a high spatial resolution. The efficiency of the code has been optimized by applying state-of-the-art computing solutions, while the accuracy of simulation results has been quantified through benchmark with the widely used Hydrolight code for various values of seawater inherent optical properties and different illumination conditions. Considering a seawater single scattering albedo of 0.9, as well as surface waves of 5 m width and 0.5 m height, the study has shown that the number of photons required to quantify uncertainties induced by wave focusing effects on Ed, Eu, and Ludata products is of the order of 106, 109, and 1010, respectively. On this basis, the effects of sea-surface geometries on radiometric quantities have been investigated for different surface gravity waves. Data products from simulated radiometric profiles have finally been analyzed as a function of the deployment speed and sampling frequency of current free-fall systems in view of providing recommendations to improve measurement protocols.