It may not stop for you, but here in the middle of Illinois, when the water temp gets below 55, it slows down drastically. Not sure at what temp it dies, because I don't try to find out.
When the spinnerbait bite starts to disappear, the jerkbait bite gets into high gear.
When the jerkbait bite starts to go, I can usually get a few fish with slow plastics.
Soon after that the baits start bouncing off the water.
Yep now drive that nail home, northern bassin at it's best. Creativity and lure selection is a must.