I kind of look at the lake as the unconscious. That which is unexplored and contains mystery. The fact that it is a lake makes it a little safer than perhaps a great blue ocean.

The presence of your husband's friends and partners puts them in relations with the lake in some way. They are at the edge of mystery with you.

The icing over of the lake makes me think of a closing off to the unconscious. A freezing over that inhibits your exploration of it. Although you showed a desire to do so through seeking to find a toboggan or sled.

The naked pictures and the questioning mother make me think of the nurturing part of yourself that worries about you exposing yourself to danger and humiliation. It is asking you why you do it? Your act of drawing seems to imply you are seeking or inhabiting/embracing vulnerability.

I like your dream. :-D