I've made one lake dive and one deep "hole" dive (blue hole nevada).  The lake dive sucked.  Cold water, 2 ft visibility, nothing but trash on the bottom.  The Blue Hole dive was pretty fun, 80 ft of crystal clear water, perfect for my open water checkout dive.
I don't get anything out of regular lake diving, so I avoid it.  But if you really want to see what is in those lakes/ponds, by all means go ahead and take a look.  Just make darn sure you follow all the usual dive rules and don't ever ever ever enter any caves or restricted spaces without proper training, equipment, and a buddy (or two).