I see exactly what you talk about, adult bass and 'gills hanging out together in close proximity (20+ ft visibility). Well, guess what, those bass aren't looking to feed on those 'gills right then and there. (This is my signal to go into finesse mode, which btw doesn't always imply tiny baits and light line). When the bass goes into feeding mode, they won't be cruising near the shoreline, but rather on spots on spots looking to whack a meal.
As for swimbaits, some of them are more proven than others, not because they look good to us, but because they have "triggers"- for lack of a better word that makes the bass bite.
Be prepared to get skunked, not once, not twice, but for weeks on end. If you are observant and prepared to learn, soon you'll be fishing for the biggest fish in your reservoir instead of hoping for them.