Hey Bill, yes much of what has already been discussed by the likes of Mike, Dave, yourself and others, the tackle and the techniques, is what I subscribe to. This is a very unique time of the year and presents special considerations.
Remember, fall the the opposite of spring. In the spring, the days become longer and warmer and the panfish become more aggressive. Now the days are becoming shorter and cooler. If you have handled any panfish in the last couple days, you must have noticed that their body temps are getting down right cold. With that in mind, I concentrate on fishing them slower. Plastics is a good bet, but now I am extra conscience about tipping my jigs with meat. Either waxworms or a minnow. Some think waxworms are a bait targeted only for Bluegills. Wrong, Crappies eat them as well. This time of the year, when first thing in the morning and there is actually a lite skim of ice on the water, then I rely on minnows. Like I said, as the days wear on, the fish will become lethargic because of their cold enviroment. That does not mean they will stop eating, no rather, they will put the feed bag on in preparation for the winter months. They will eat larger meals, but they will do it slowly. That is why something tipped with meat is what they are attracked to, big meal and slow moving.
Depending on the body of water, backwaters of the Mississippi, they will start to move in shallow, for what little warmth remains and of course food. I almost like fall better then spring. Usually spring time, the water is high because of the flooding and the fish are scattered. This time of the year, the water is lower and the fish are more concentrated. Once located, you can be in for some none stop action. Now Lake Zumbro is a different story. I am still learning it, however, my observations are this. They will stay out in deep water and only come up close and shallow on those rare occasions. Again, maybe for the little warmth remaining and chasing food. However, we have noticed that even though they are out in deep water, they will suspend high. I suspect at the level of the food chain. Looking for two things, the comfortable temp and where the food is at. OK, why are the bait fish there, same reason, they are looking for the last remaining warmth and whatever they eat.
Mike and I have noticed this, while yes, the bite is good, it is not aggressive as warmer water. Lots of hits, but they are subtle and you have to be on your toes in order to connect.
Over the years, I made mental notes of the different seasons and subsequent patterns and I believe spring and fall mirror themselves in reverse order.
Yes, Mike and I have been very spoiled this year on Zumbro.
We laugh and have said when releasing some of those beauties, hey if we were ice-fishing, those fish would be going home. Now we are having fun, concentrating on what we call the $250 fish. That is what we figure at 10 inch Bluegill would cost to have it mounted.