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Interesting question... It won't be filled in if no images are taken. And it won't likely stitch very well unless the lake is really shallow and has some fixed features that are visible.
One way to do this, that we don't generally recommend but has worked in the past, is to do the edges at the detail level that you actually want. Then take a few images from either WAY up such that the images will have shore line to anchor to. You could also try some that oblique enough that you will be able to get some fixed features in there and fill in the center. Just be sure not to include any horizon.
Give us a heads up if you end up submitting something like this so we can keep an eye on it.