It's an interesting thought but consider that the permanent population is still extremely small. Since relatively few eligible people actually participate (vote) in local government events the town might end up being run by what is essentially a clique.
Those of you who have (or know others with) winter condos down south, know the aggravation of finding all the restrictions and user fees approved during the summer meetings, by the permanent residents there.
What would you do for a town hall/meeting house? Island property is expensive, that's going to take a lot of tax money to cover.
What about education? Sure you can pay tuition for students to attend in another district but no law requires those districts to accept students from non-members. Look at Hudson, they took Litchfield high school students under contract. When their population grew to a certain level they informed Litchfield the contract would not be renewed when it expired 3 years later. If you do have your own facilities the lake would not be safe for a "school-boat" for large periods of the year and your sessions would have to be scheduled to accomodate a large number of weather days.
I don't think anything I've mentionned is an insurmountable obstacle. If you folks are serious about secesion, try starting an "associaton" and using that as the base population for a shadow government. I would suggest you spend a large amount of time identifying the potential down-sides before benefits since those will have more effect on the success or failure of the venture.
Good luck!
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