My dad has a property that turns into a lake, you would not want something running beyond the shot when there is standing water, I know what you mean. I try the high shoulder anchor shot in this location, the issue was that the last time I had that opportunity my rings had loosened up and the gun was shooting high by 6in not 48 hours after it was sighted in (note to self, check torque on screws).
The neck and head are about the same size targets but the head moves constantly and fast, I know I am not confident enough to shoot a deer in the head, even though shooting groundhogs at 200 yards is no big deal, not sure what it is but I am confident in a kill with the shoulder or boiler room so that is where I go. Dad has used the base of the neck shot a few times now, all close range and all dropped the deer, another guy at camp tried to finish off a deer with a head shot and did nothing but remove its lower jaw, this is why I do not like the head shot.
Best of luck this year.