Not sure it was what some would consider "really muddy cold water" but a local bass club had a tournament this past weekend, the day after it rained 1", and the winning pair had a 5 fish limit weight of 22.42lbs with a 7.00lb kicker. The air temp was 45 and it was cloudy all day. The water was more highly stained than muddy though. Jig and pig on shallow timber was the ticket I believe.