We have finished digging the pond, and the island now looks like this:

The island is about 25 feet x 20 feet and should be about 3 feet deep. Right now the surface is firm clay. The underwater peninsula is similar, but its depth varies from about 2 feet to 3 feet.

Now I am trying to decide whether to leave the surfaces as they are or add some sand or pea gravel. I would appreciate any advice on whether either of these is worthwhile, and if so, what would be the best approach.