A fair tree with some moss on it, that I created in a couple hours testing out Sapling's features. Moss is achieved with a particle system (10000 particles * 100 children). You can either reduce that count, or vertex paint the moss wherever you want.
Perfect for any fall/winter outdoor scene.
I don't exactly remember which one it was, but I usually grab them from cgtextures.com. Great stuff there!
Thanks! .. :)