Is the problem of "yucky" around the dock due to silt or green algae or both? If you have fairly deep silt around the dock, swimmers will likely not like walking in that either.
It's both, but the algae is the biggest factor. My wife doesn't "like" to get in the mud, but she WILL NOT get in the algae. The kids don't care too much either way. If they see me go through it first they will follow right along with me. The kids don't like the algae because it makes fishing from bank difficult.