Tom, what you stated is interesting, but I don't think that it fully accounts for lakes where the predominant forage is shad. In our neck of the woods, as the water cools, the plankton is found in the warmer more shallow water, like the backs of creeks. The shad need the plankton to survive so they leave the main lake and migrate to the shallow warmer water where there food source in more plentiful, the bass are usually not far behind. Once the water gets cold, the bass return to their main lake haunts.
So in many of the lakes I fish if you want to find the bass in the fall, you target the backs of creeks. (Swimjigs, Chatterbaits, and Squarebills)