If I were out...I would be looking for the last weeds that haven't died off yet...or Sand...or rock...
What he said.
What i usually do is...
start shallow work towards deep
look for green weeds, green/live weeds=Oxygen, Oxygen=Food
Crankbaits to pull green weeds and reaction bite
late season, bigger baits, vary retrieve slow/fast
hope that helps, I'm no pro.