Chameleons need tall enclosures with lots of climbing space, they're delicate, they need specific humidity and temperature, they're vulnerable to diseases carried by other reptiles, and they absolutely need live food every day. So no, don't put a chameleon with a turtle. They're generally considered expert-only reptiles, anyway.
And yes, turtles are a lot of trouble. They aren't the kind of pet you can just plop in a tank and leave.
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My current project, a 65 gallon aquarium stocked with vernal pool fauna.