What is the desire to do a well over lake water?
Lake water is fine for drinking given proper treatment. We were on an island for 10 years. Our water intake was in 8-10' of water and after installing sediment and UV systems the water was better than my water at home. If you are looking to use the water year round there are methods such as heat tape/wire that can make that happen. A well could be done quite easily, I doubt you would have to go far down. There are portable tracked drill rigs that are very small, even the bigger ones could be barged out if needed.
As far as the septic system goes, ours was about $15k. This included a pump/chamber and a long run to a leach field in the back of the property (we had 2.5 acres). I would not recommend the installer we used for a few reasons but wont shame him here. Water under the bridge at this point.
I know people that have used Dave Farley or Watermark, both get a thumbs up as far as I am concerned. Dave did plenty of work for us over the years.
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