imo it is all forage dependent.
in clear water I usually am trying to match the hatch, I think it’s mostly a confidence issue, but a fish’s senses senses are increased in clear water, and Bright or flashy colors might turn the fish off. That’s why I use subtle, natural colors for the most part in clean water. I’m no expert since I fish the river 99% of the time, but I’ve found a little success in clear bodies of water with small baits, like a drop shot worm, weighlest senko, or small tube in natural colors. hope this helps