I think you need to read it again. You were doing pretty much OK till you said the part I left quoted above.
Ground effect DOES NOT require the aircraft to be overloaded before it happens. Ground effect will, in fact, reduce the likelihood of a stall, provided you don't mind flying along within a couple wingspans of the ground. Ground effect so reduces drag and enhances lift that the near stall that is induced to make a good power off landing is prevented and instead of settling in nicely the plane (catches a balloon) just floats down the runway as if being held aloft by a tractor beam (not related to THAT kind of tractor.)
One of the dangerous down sides of ground effect is that it will tend to "trap" an overloaded aircraft at takeoff at a low altitude (within a couple wingspans of the ground) by providing extra lift and reduced drag ONLY when the A/C is close to the ground. The unlucky pilot of the overloaded plane can't get above ground effect, not because it holds him back or down but because it is what got him up there and without more lift than the pane can muster in "free air" the extra weight can't be lifted.
There is nothing wrong with using ground effect for beneficial purposes so long as you don't let it get you into trouble. The Russians have huge ground effect cargo carriers that operate like an aircraft but can't get above ground effect. They are very efficient but fly quite low. There are also recreational flying boats that don't get out of ground effect and do not require a pilots lisc.
Ground effect is interesting but NOT INVOLVED in our amphibious plane vs the retarding current experiment since in order to be in ground effect you need to be airborne and that requires sufficient airspeed to lift off which is not provided by the water current.
I do second your comment re the fish and in their behalf I suggest a weir would be needed to keep the fish out of the intake zone of the impeller. Since the inrush current is much more diffuse than the output current the weir (fish protective strainer) will not have to be very far from the impeller making it easier to construct, position, and pay for.
Pat