I-15 to Wolf Creek exit and then follow signs to lake. There are three main public access sites to the lake - Holter Lake Campground, Log Gulch, and Departure Point - the main road takes you by all three. I have only fished Holter through the ice 2 times (the last two weekends) and there have been people fishing at all three access sites. We chose Departure Point both weekends. Cottonwood Creek is a lengthy walk or 4-wheeler ride from Departure Point. From my limited experience, you don't have to walk across the lake or anything to find fish - for trout just set up close to shore in 15 feet of water and for perch go out to deeper water 35-50 feet. Use your intuition and you will be fine. Talked to the fella doing the creel census work and he basically said any dummy can go there and catch a pile of trout - I proved him right
He said it really didn't matter which access you used - they are catching fish all along there. Hope that helps. I would be leary of taking a 4-wheeler out there now with some open water starting to show up. Good luck!