First of all, RobA, you are not "working backwards", you are laying out your development properly by locating your waste disposal areas first. My staff & I review and I approve residential developments when there are protected wetland and stream impacts, and I encourage that method of planning. I also review and approve systems with over 10,000 gal/day capacity. It just makes sense to have a competent system, regardless of the laws, rules and regulations one must comply with.
I have dense clay soils throughout the majority of my farmland (except in the wooded areas, which are rocky with shallow loam), where the top two feet had been tilled for over 150 years. That soil horizon was available to incorporate into a raised bed system, resulting in less fill needed. Unlike you where it didn't matter where I put a leach field, as is was clay or more clay, I was faced with the necessity for an engineered system. My concern was that I would be eating up my tillable land and pasture if I spread my development out to employ a gravity system. So I went with a pump system - one 1000gal septic tank and a 1000gal pump tank.
I was able to site the field on a sloped area that almost looks natural, but from one angle does not...yet. It's 1650 sq ft, and up to 6' above the surface on one side. It's been in a few years, and doesn't stick out of the landscape as one would imagine. In fact, most people don't even recognize it until point it out, and its's only 50' from the house.
In your case, it appears to boil down to cost, but over time, it may be that a raised bed gravity system with less "infrastructure" on the house side of your creek may allow for more flexibility in the use of your property on teh other side of the creek and along the line area.
Has your land been tilled where it may provide a top layer of usable soil? Even one foot of soil over a leach field surface area saves a bit of cost. Can you design the system to suit or blend in with existing landforms so it looks less obtrusive?
On the other side, ss the DEP going to allow a cut-and-fill line placement across the creek, or will the require directional boring? What are their line requirements and conditions for placement in the stream? Do the costs of their requirements bring you within range of the costs of a raised bed system?
I hope this helps a bit. If you need any help with explaining or deciphering any DEP requirements, let me know.