My pond is roughly 25' x 35', and I hand-laid the entire thing with rocks. Most are 4" to maybe 8", some are closer to 12" and largest around 24". No complaints, though I probably should have put washed 57's or a smaller pebble stone on the floor. Still doable as it can be placed on top of what's there now. Reason is it's difficult to walk in right now if needed.
Shallow ends, like 2' or less, you can pretty much see everything. Getting around 3' and deeper, even with "clear" water, it'll depend on how much light is reaching through, algae and plant growth, etc.. On mine, I can see about 4' to 6' down under ideal conditions.
As far as seeing fish, I have minnows everywhere, with largest ones roughly 4" long. I can stand there and stare for 5 minutes and not see anything larger than 1/4", as the larger ones are hiding in the gaps. But once in awhile, they'll emerge and are visible. During spawnning and after eggs hatch, they are everywhere but with natural colors, can blend right in but easier to see if they swim over lighter colors like greenery from plants, whiter rocks, etc.. Bright colored fish like koi, goldfish, etc., are easier to see in virtually opaque water if near the surface, but they get big and smaller fish can be eaten, as can tadpoles, etc.. I purposely stuck with fathead minnows so as to not keep the frogs away. Once/if frogs find the pond, and it's habitable, they'll move in and breed which I now love after having a season of it. Guessing over a thousand tadpoles and a few hundred frogs grew up in it last season. Also love hearing the calls throughout the year. Just something to consider.
I personally like the look of river rocks (washed #57's) on the shallow ends as it has a very natural and appealing aesthetic, but small fish will blend in, as will tadpoles and even a submerged frog.
After my minnow population exploded, so did the underwater plant growth, which slowly covered most of the rocks but water is filtered and stays clear. Entire pond is clay, so no liner as it doesn't leak. Rocks were placed on clay, and doubled up in some areas, and all rocks were fitted akin to a puzzle.
Anyhow, do what you like, as you'll have to look at it.