I'm going to suggest that you read some caresheets on chameleons. Very few want or do well in a vivarium. Glass poses several issues for chameleons. Seeing their reflection can lead to stress, having all that fog and water will lead to wet, stagnant, air and is a recipe for upper respiratory issues. I'm not criticizing you for being inexperienced, but if you don't know how to create a separation between water and the substrate and you don't understand why your proposition is not good for keeping a chameleon, you haven done enough research to attempt a chameleon in a terrarium; much less one that is set up as you described.
If you think I'm going to tell you otherwise because you're going to do it anyway, well I can tell you that no one that knows what they are talking about would recommend what you are suggesting and I'm going to allow you to find that out on your own by letting you get some feedback from either keepers.
You could browse the pinned enclosure threads and see the numerous set-ups and do some research into keeping chameleons and you will come to understand that I'm provinding excellent advice, if your concern is the health of the animals and not the fantastical scene you have your mind set on. If you want to create the terrarium you described, look into animals that belong in that environment. Red eyed croc skinks, firebellied toads, and other amphibious herps. Chameleons do not interact with standing water in their natural habitats 99.999% of the time.