Pam, I have long puzzled over the trend to pile rocks up along the sides and edges of a pond, as this does not, to me, mimic nature, where you find water coming up to soil, with plants merging at the edge.
However, with an artificial pond, and one where you want to keep your water clean and dirt from running into it, we use liners. And with a liner, you generally need rocks to hold down the edge and to make it look more attractive. Also, plants running from the soil into the pond can wick water out, which means less water in your pond.
Now, if you want plants around the edge, you can do as suggested above... keep the edge of your pond seperate from the surrounding grass and soil, and use potted plants that you can place where you choose near the edge.