Charlie Brewer introduced his Slider worm technique decades ago and basically it consists of using light jigheads and short plastics either mid-depth or right on the bottom. He caught all fish species in many lakes and rivers around the country and challenged anyone to outfish him using light tackle. As for myself, cold water is no obstacle to catching fish - especially panfish such as crappie, yellow and white perch and sunfish. The bump on the line may be a bit lighter than in warmer water, but even with 35' casts, it can be felt and the hook set.
Equipment I would suggest:
1/32 and 1/16 oz unpainted ballhead jigs
soft plastic 1"-2" long (you could even use 1.5" of the tail end of a finesse worm
8-10 # test braid with a 1.5' leader of 4 or 6# test fluorocarbon
Use your sonar to find fish and bottom structure. I move the boat 20 feet, fish around it until I find fish and then anchor if I connect. Once I catch fish, I note the depth and continue the stop-and-fish method. I try fishing shallow and deeper, never assuming fish are only shallow or deep.
When it comes to finesse fishing, slow and unsteady
retrieves get fish irritated
enough to strike those small baits of which there are many shapes and actions. Straight tails plastics do better IMO than curl tail or shad tail grubs because even a do-nothing retrieve imparts subtle actions to the lure that fish notice and keep track of while in the strike zone.
I don't count on fish being in the same area day after day, week after week, but when found, the same locations may hold fish on consecutive days.
Fish location is everything
; slow retrieves at the right depth using small lures puts the odds of catching them in your favor.
Oh, and one thing I forgot to mention: the above catches anything
with fins that swims.