We had no difficulties getting to the trail head. There is an outhouse right at the parking lot. The trail starts off with a nice meander through the woods (the greenery was amazing, and there were beautiful orange and yellow mushrooms growing on some of the fallen logs), and then across a few small creeks and a few fields of ferns and wildflowers. The lower part of the hike is varied and interesting - I kept wanting to slow down just to appreciate everything. We also noticed that there were fish (maybe trout) in the deeper sections of the creek we were walking next to.
Three miles in you cross a larger creek and then the hike gets very steep and much more technical. There are great spots for breaks - large boulders with beautiful views. However, you have to be comfortable hiking on a lot of steep, rocky terrain and a lot of roots. You will end up following a creek bed for a while, including jumping from rock to rock going up the creek for a short distance. Much of the creek bed was dry, however.
Be sure to pack a light jacket if you go soon. Today was warm for most of the hike - short sleeves were best, but once we arrived at the lake the temperature cooled off significantly and everyone in my group put on an extra layer. In case you need it, there is a very primitive "toilet" at Rachel Lake - it's a wooden box set on the ground pretty much right out in the open.
The way down isn't much faster than the way up. The technical nature of the first mile on the way down slows you down a bit and the remaining three miles are largely flat, so there's no opportunity to pick up a lot of speed. You'll just want to leave enough time to get back down.
Bugs really were not a problem - we all had forgotten our bug repellant, and I don't think any of us were bitten up that much. We mostly had bugs at the lake - flies, a few bees, and a few mosquitoes.
There were huckleberries and blueberries along the sides of the trail.