Pretty much the same in Ohio/Kentucky/Indiana area, Bill. I'll typically try to avoid camping right by the creek for a more practical reason: the things that bug me are thicker by the creek. The water, particularly if the stream is sluggish, seems to draw a thicker swarm of gnats and mosquitoes. It also seems to draw a thicker swarm of campers, and for some reason the water motivates them to periodically go "YAAA_HOOOOOOOO!" and "WWWOOOOOOOOOO!" Of course, after dark things quiet down as the alcohol kicks in - then it's just a lot of loud talking and laughing, punctuated by beer cans and bottles being crushed and thrown. (Did I mention that these creekside "campsites" are mostly bare ground, devoid of vegetation, and totally unappetizing to the discriminating camper?)

I usually just stop to filter a couple liters of water and move on up to a more secluded spot on the ridge, and avoid all the nonsense. Better breezes and fewer bugs are a side benefit.

I can hear you all now: "You need to find a new place to hike." Unfortunately, given time constraints and available areas, I don't always have that luxury. So, I do the best I can. (Local authorities do the best they can, too, and are getting more aggressive about using roadblocks and checking permits to hold down the parties. They're badly outnumbered, though.)