Great question, because everyone has a different opinion or perception of "stained" water.
For me in MA, stained water is about 5'-6'. I go to a "visible" color which is a white or white/chartreuse skirt, a gold blade and no trailer hook and maybe a curl tail grub.
The blade I use depends on the clarity of the water. Like I said, stained here is 5-6' in water I fish in and I still use a willow leaf blade, but sometimes after a heavy rain that will be reduced to maybe 3-4' which is Colorado blade time for me.
This is what I start with. I personally don't think that there is any "rules" to fishing a spinnerbait. I'll fish them anytime, anywhere. I fished just (within a week) before the water turned to ice and at high noon during a heat wave with bluebird skies and have managed a spinnerbait bite.
Keep chunk'n and wind'n, you'll get'em!