You can camp at any of the lakes. Black Creek is the only one I know of that has camp sites and a bathroom. It used to cost 2 dollars a day there. Don't know if it has gone up. It gets crowded though. Cottonwood and Clear Lake have spots you can pitch a tent but it is completely remote camping. As far as being safe Black Creek is probably the safest just because of the crowds. Ive seen people camping at the other two but they are more remote.