eBird exists to serve generate data but is designed to appeal to users, and there can be a tension between these two aspects. The integrity of data collection matters for the science values, and being considerate of other eBirders factors into accuracy of location, species ID etc.
Personal locations and hotspots are points on the map, which represent areas rather than that point alone (except that a personal location for a stationary checklist might be where you really stood). Some points represent a well-defined area - conservation parcels, esp. if it has only 1 hotspot - but many have fuzzy outlines - contiguous hotspots within a named conservation parcel or a general area without a focal birding feature - which are defined in subjective ways. Some areas that have multiple hotspots also have a general hotspot that could represent birding across the real or imaginary boundaries - for example, the hotspot Great Bay - which in the latter instance could also represent aquatic-based birding (or not!). You could use the checklists's Comments section to specify.
Water bodies are common bird magnets. Eel Pond and other water body-based hotspots may have their pins (location markers) in the middle of the waterway, especially when the water can be viewed from multiple locations and/or parking and pedestrian access may occur from different locations. In these cases, the marker does not represent that the eBirder has to be in the water. But, sometimes the context of a hotspot indicates the hotspot does represent the eBirder being in the water. These include pins off the NH coast, and Lake Wantastiquet at Hinsdale. Hinsdale has multiple adjacent hotspots, with 3 representing being on land (Setbacks, Fort Hill Rail Trail, Bluffs), and the separate one called Lake Wantastiquet, with the latter located in the middle of the river. Lake Wantastiquet is visible from all three land hotspots, so its existence implies it represents aquatic-based birding, and presumably mostly waterfowl right there, as opposed to the predominance of land birds on a checklist generated from the other Hinsdale hotspots.