Shallow, turbid coastal environments (Case 2 waters) challenge optical remote sensing due to the complex, non-covariant interaction between dissolved and particulate constituents. This study quantifies the relationship between the effective (Keff) and the diffuse attenuation coefficient of downwelling irradiance (Kd) across 14 stations in the southern Baltic Sea, representing a transition from estuarine to open coastal waters. Using K-Means clustering and Random Forest regression, we characterised Optical Water Types (OWTs) and decoupled the specific drivers of attenuation. Results indicate that Keff consistently exceeds Kd by a factor of 2-3, with the spectral ratio (Keff/Kd) significantly surpassing the theoretical geometric limit of 2, particularly in the 500-650 nm window. Although total suspended matter (TSM) is the primary driver for both coefficients, Keff exhibits heightened sensitivity to coloured dissolved organic matter absorption at 440 nm (aCDOM (440)) due to the geometric rejection in the collimated beam; in contrast, Kd remains coupled to the broad-band scattering effects of phytoplankton. We conclude that assuming a fixed geometric relationship (Keff ≈ 2Kd) leads to systematic errors in scattering-dominated waters, and propose a robust empirical relationship (Keff ≈ 1.71Kd + 1.44; Pseudo R2 = 0.4) to improve subsurface retrievals in shallow and optically complex coastal zones.