Oh man, Saginaw Bay is nothing but beaches.. Problem is you can't reach em because of the mile of shallows extending out from the shore - and the shore line is all private property, or wild life preserve, etc... What you can do is raft up a 100 boats in the shallows and get drunk, play loud music, etc. but at my age that has lost the sparkle...
It is a strange bay... Wildly beautiful and not a darn thing to do on the bay... There are two islands in the middle of the bay, and they are private property...
I am berthed up the Saginaw river about 3/4 of a mile... I was out on the bay this morning, and going back for an evening cruise... Lake Huron was a mirror this morning... The marina is packed, last big 3 day holiday of the summer and we are having almost the only summer weather we have had this year, calm winds, temp in the 80's, and sunshine...