Most of what you're suggesting is either not legal or requires a DES permit. You can maintain existing landscaping but that;s on shore. Once you step in the water or start to use machinery, the rules are different. You may want to look into a perched beach. The contractors who do this work are familiar with the rules. There may be some expertise available through NHLAKES.org.
If you have a pebble bottom, that's the way Mother Nature wants it. She's hard to overrule. I'm curious about the "landscape clot. It may be that in the past somebody put that down to control milfoil or other invasives. Your neighbors may be able to tell you about past activity and/or similar efforts that they have undertaken and the success level.
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