NEfish, congratulations on your lake! We do get significant wind erosion on our lake and finally have had to "armor" the whole thing with concrete blocks.
One other thing, talk to more people about grasses. Smooth brome is definitely NOT native and is extremely invasive. This means that without a lot of management, most native species can't live with it. It is also almost worthless for any kind of wildlife habitat. Also, centipede grass most likely won't grow as far north as you are. In general, there really are huge regional differences in what plants will live where.
