Turnover is very different in different lakes. Factors of depth, type of lake from eutrophic to oligotrophic lakes, current, and wind. I’m guessing most of the lakes over there are eutrophic so there is probably not a huge change in water temp from top to bottom. In my experience if you are fishing eutrophic lakes seems that the turnover does not change fishing as much as an oligotrophic lake. But yes you could have a surface temp as cool as 54 and the lake would not turnover. Obviously the closer the temp gets to the thermocline or 52 degrees determine when the turnover happens. This probably was not that helpful but its what I know. Good Luck