Just my opinion, but CX geo with the high BB and racy riding position may not be the best for your uses. Personally, I would go with a something like a flat bar bike. For instance, at Performance:
http://www.performancebike.com/bikes...400316__400316
It still fits bigger tires, if needed, and the position is going to be more upright (good thing). Not sure why you would need drop bars for riding around the lake, but I guess you can put them on, if you would like.
Anyway, just throwing another option out there.