Can't help you on either of the 2 lakes you mentioned. I'm from PA and have been going to Kerr Lake for maybe 10 years. the Army Corps ramps and docks should be fine for you. My wife has MS and we manage. The lake has lots of creeks so you would be fine in your boat. Rudd's Creek or Grassy creek ramps are the ones I use most often. We always camp, but have stayed at Oconeechee State Park cabins once. There's also a couple hotels in the town of Clarksville. We will be camping down there late April.