If you're going to stay at Clear Lake, stay at Edgewater or Clear Lake St. Park. These two parks are very close together, and are by far the nicest around the lake. This is a very shaded park with its own launch ramp and fishing pier. I did not find the roads too windy or narrow, considering you are in the hills and driving around a lake. Staff was nice and the park was clean adn pet friendly. I could see a few spots that may be difficult to back into if you have a large rig. The $60 a night we paid included an extra truck and boat with five people.
This park is right next to Carmel by the River RV park. The road leading into the entrance of both parks is narrow but anyone should be able to manage it. The road going into Saddle Mountain park is a bit more tricky, especially for bigger RV's. Our fifth wheel is 33' (36' actual length) and we barely managed. The entrance road into Saddle Mountain is steep, narrow, with slightly bank curves (not too sharp), and mossy road edges. This caused our trailer to slide towards the mountain side and came within a few inches of making contact. The management was very friendly and I had no problems getting into contact with them as previously posted. The sites were nothing spectacular but we had a good view. A bit expensive for no frills. The exit road is steeper and narrower, but does not have mosses or as many curves (tall coaches, watch the branch at the end). All in all, if your trailer is smaller than 27', or you are a really good driver not a bad place to stay.
I will go back, this was a nice campground. Hookups sure would have been nice, but the proximity to the beach made up for it. The showers were very clean, as was the entire park. Great bike trail that runs through the park. Very weak WiFi signal, and if you have a water thief you can fill up there. Sites were good sized with paved driveways. Grass picnic areas in most sites.
Pretty dusty in July. We stayed in loop K with several friends and took up the whole loop. Several people had boats and the nearby parking lot worked out well. Slide your fifth wheel hitch before you turn off the main road and onto the K loop road. Not a sharp turn, but the incline will get you (I found out the hard way). Stay away from the swimming pond, I was told the water is pumped in at the beginning of summer and pretty much stays there all summer long. Watch for rattlesnakes, I did not see any, but they're around. If you don't want to tow your boat back to your site and can rent a slip at the marina for $20 or $30 a night. Don't forget to check out the enormous carp swimming around the marina near the hamburger stand.
We had no problems as we knew about the "no membership, no amenities" rule. It was a slow week and one of the employees said our children could play on the playground even though we were not members. The non member campground is a little dusty but the sites are larger than the member sites. The camp was clean and unfortunately the dam was not in place, so fishing was out of the question. All in all not a bad place to stay if you have your own entertainment.