Kinda cold is all I need to hear. Use cut baits or blood baits for those conditions, lightest sinker possible to hold down the bait. I also use a float on my leader line in cold water to keep the bait off the bottom mud and leaves so a slow moving channel can smell and find it easier. Move your baits every ten miutes a foot or two and refresh your bait every 30 mins. Really would help if you pick up a cheap thermometer to keep in the tackle box to measure water temp. Tie a section of mono to it so ya can hang it in the water. This is the kind I have, I use it when I am bank fishing for my fish log:We dont have a fish finder or anything, but when i would rinse my hands off it was kinda cold. not too cold.