I've got two freshwater lake houses. While the one in Florida does have Loons in winter, they make no sounds.
Although the lake is more than a mile across, nearly 100% developed, there's very little in the way of boats and their attendant noises. (And no cigar smoke--probably the most insulting affront to the senses upon the lake).
There's an unmistakable noise of the State's
airboat as he cruises monthly distributing tablets of some kind into the lake.
Last weekend, there was the dreaded
2-stroke Jet-Ski.

(Fortunately, a rare sound, and only one).
The occasional weekend GFBL (ocean-racer) boat makes a lap around my Florida lake, but because the lake is round, one lap is as much as they'll do.
Winter on Winnipesaukee can drive you crazy with
no sounds whatsoever. (Except to make your ears ring trying to seek a sound).

However, the pressue-cracking of thick ice is an awesome sound.
In Spring, it's always the calls of the American Robin that dominate the forest's birdsong environment.
Bald Eagles, Cormorants, and Turkey Vultures are mostly silent. Ospreys will make loud chirping.
Then on Thursdays, there are duelling leaf blowers.
During bike week: motorcycles. If you're on the dock, you can hear motorcycle groups--where and when they stop and start up again
In Summer, it's the crashing of waves on the shoreline, and the soaking of dock.
All that said, I voted for Loons--
as I've learned what they're saying--and they're the only truly captivating sounds in my environment.