I had the question when Catt said to substitute "prey" for "hatch" and I have it again after reading this.
How is what you describe doing when going to fish a new pond for bass any different than what a trout fisherman would do when heading out to a new river? Are trout not feeding on prey? (Agreed, an adult shad has not recently hatched, semantics as far as I am concerned)
Its october I bring BWO dries, emergers, and nymphs. Thats the seasonal pattern, matching the typical condition. Sometimes you may find a fish rising and maybe you can't get it to eat a dry, so you throw on an emerger, imitate a crippled adult to induce a strike. That doesnt work throw on a beetle, something they remember eating all summer and get bit, thats your reaction bait. Maybe you go a size smaller, drop down a tippet size to finesse them.
A wooly bugger or muddler minnow probably immitates the local forage as well as a crankbait does, not all that well, but they present many triggers that get fish to eat, while hopefully not presenting enough negatives to throw them off.
Bass in clear water have as much time to inspect a lure as trout do, probably more because your typical trout fisherman is fishing flowing water, whereas your bass guy is tossing into a still pond. I think these are the situations where matching the hatch/prey may become critical though I have also experienced these situations where trout are actively feeding on thousands of hatching small mayflies so tossing something that sticks out is your only hope.
I don't have the answer, sometimes you match it, sometimes you dont, but I really don't think a trout feeds that differently than a bass. I have caught trout on mice flies, very large streamers that rival most swimbaits, and attractor dries that look like nothing they have ever seen before. If part if it looks natural, they will probably try it once. If you throw in enough triggers, while limiting the negatives they will probably eat it over and over again. Think wooly bugger, it always works but looks like very little a trout has ever seen.