It dont cost anything to camp at the ramp or on the islands.
Theres nothing wrong with your depth finder. You will see more baitfish and more huge arches in Monticello than you will anywhere, gettin them to bite can be a whole other story. Theres lots of 40 to 100 foot of water in the lake and some alot deeper. Theres no main river channel (just valleys and gullies with just a few creek channels) and theres lots of standing timber in the lake that got topped off at about 20 or so feet before the lake was full. In other words, the tops of the trees are about 20 or so feet under the surface. If its just a constant line of arches stacked on top of each other and goes all the way to the bottom, then its trees. You can drift Santee style in the lake but you have to pick your spots to do it. Theres several large areas where theres no standing timber that you can drag the bottom, you just have to find them. One of the most popular and easiest clear
places to find is the upper half of the lake, from the dike that seperates the big and small lake out to about 70 foot of water.
Heres a blury pic of my graph. You can make it out good enough to get the idea. When you see that.... get your rods up because you fixin to get hung.
Check this website out. It might can help you some. www.lakemonticellofishing.com