Great to hear your plans on the structure for your pond. When i started building mine, and in the two I did before that one, I didn't know about structure. I was more interested in how pretty it looked and making it nice and smooth!!! OOOPS
I was going to put minnows in a month ago, but from the advice I received from PondBoss and my fish supplier, Tyler Fish Farms, I decided to wait until the water temps increase. The reason to wait is that minnows won't spawn in cold water, so all they would do in my water is wait around and become food for the herons and cranes.
I have been debating about waiting a year on the bass. There is some good arguments to do so just like you mentioned. The owner of Tyler Fish Farm is kind of famous for his work, (President Bush) and I'll probably just do exactly what he recomends.
Be sure to post some pictures of your structure when you put it in. Mine is almost gone now, but I still see it in my mind when I look at the water.
In my small pond, I wasn't gonna put in a dock. There isn't any real need for it, so I decided against it. Then Steph and her kids moved in and we started spending ALLOT more time there. Now it's the first place we all go to when we go there.
I had plans to built two massive docks on my lake project, but then changed my mind and built two peninsulas instead. If I wasn't building an RV Park and wasn't expecting thousands of people to be here, I would have put in at least one real nice pier.
Even if you don't want to do it right now, maybe putting in some concrete footings now would be a good idea in case you decide to build it later on. Your wife, kids, family and friends will all love you for it!!! hahaha
Eddie