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If stacked properly, you could have stone up the sides too. The concern about water from the pond washing in is that 1) chemicals. You may not use them, but what's beyond your garden? If it's a neighbor, they may have a product down that would harm water quality. 2) dirt and debries will wash in. This is unsighly as well as will lead to algea growth, which we hear about on here a lot. But, of this is just for wildlife, and pea soup water doesn't bother you, and the other side of your garden is a forest, it's fine.