The second transom light would be for non-inland waters if you had it with an all-around light. Technically not a legal configuration on the lake. I'd be surprised if you got hassled for it though but the above comments make me less sure than I'd have been before reading this thread.
To make yourself slightly more visible, you can add a bit of white reflective tape to your stern. Someone about to over-run you may wonder about the reflective glow from their bow lights.
You could also install a water-skiing mirror to help you with your observations whe you need to be facing forward.
Good luck!
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