i usually carry 2 rods when bank fishing. i like to have reaction baits. and finesse baits. reaction can be bladed or silent as long as they are moving. finesse can be big (10" ribbontail) or small (4.5" finesse worm) as long as they are worked slowly.
a chatterbait is my goto bank fishing reaction lure. it comes thru weeds like butter and literally vibrates the weeds right off so you don't waste casts 1/2 way back b/c a 12" weed is tangled like with a spinnerbait. stroke it as soon as you feel a tangled weed and 90% of the time it comes right off. don't be shy, rip it hard and fast. sometimes it even provokes a strike.
however i do not like a chatterbait around chunk rock b/c it wedges in them to easily. a spinnerbait is better here b/c the head bounces off the rocks better. most ponds have weeds and sediment so 90% of the time i have a chatter tied on. rivers and reservoirs have rocks so 90% i'll use a spinnerbait.
i also like a jig b/c i can swim it like a reaction bait (at any dept in the water column from topwater, burned under the surface, count down 4-10 ft, bang it thru lily stalks, bounced off the bottom). a jig is my eye's and I can learn the contour of the lake with it. it is also my "silent" reaction/swimjig bait. i step down quickly to a silent reaction if the bass aren't taking a loud/bladed/shiny/vibration lure. also i can pitch, dead stick, and lightly hop a jig and don't have to change out rods to slow way down for finiky bass. like sam said shore fishing is very limited with casting angles so i'm VERY quick to pick up and put down lures, and equally quick to speed up or slow wayyyy down my retrieve.
i don't like a jig if the pond has lots of weeds or scum b/c the weed guard collects too much junk. i'll switch to a pegged texas rig b/c the bullet weight comes thru weeds much better. i stopped buying jigs and i'm becoming a t-rig guy. and punch rigs for heavy cover.
i just read a great post about using a bead head in front of ur senko/brush hog etc (or any weightless plastic) b/c it comes thru the weeds so much easier. it works great b/c you can slowly inch ur plastic thru the weeds much better. i don't like getting 'hung up on weeds and having to pop my senko free. that senko pop has never yielded a reaction strike for me (unlike a chatter or lipless trap).
its b/c of shore fishing i'm now switching to beaver trailers and beaver t-rigs. i was at a pond the other day where you had to cast over 20 ft of pennywort to access open water. just so happened i had a beaver t-rig already on my rod so i used it. i pulled that one beaver thru endless feet of weeds, wort, cast for 2hrs, pulled it thru sticks and tree branches, caught a 3lb bass and never once changed it out. i would have gone thru a pack or two of regular craws b/c the appendages would have ripped off so many. i use the same MH baitcaster rod for my chatterbaits/ jigs/texas rigs and larger weightless plastics/meals like a 6" senko or 1/16oz t-rig 10" ribbon tail worm. (michang5, ur spinning set up sounds perfect. you don't 'need' a BC. it is not a magic bullet that will guarantee more fish. only buy one if you feel inspired to learn it. be prepared for a long and possibly hard learning curve that might not fit recreational needs. as opposed to BC being more suited for tourny/competitive fishing. or from a boat where you can possibly cast 1000+ times a day from many different angles. a BC is less stressful on ur hands with that many casts per day.)
my second rod is usually a M spinning for lighter/finesse lures. if i'm in fairly open water I use 6-8lb test b/c it casts farther (10-20ft leaders to 20lb braid; i like the advantage of being able to cut the leader off and go straight braid when i encounter some nasty cover or lily pad field; and love the sensitivity plus solid hook sets).
if the reaction bite isn't on I go finesse. 99% of the time bank fishing is for fun and recreation (non-tournaments). a good rule to remember is: lighter weights and/or smaller lures= more bites.
also lighter weights=snag less.
i usually start with a 5" senko for finesse. a 4.5" zoom finesse worm on split shot usually is a sure thing. it catches fish big and small. if ur getting too many small its time to up size. BPS has 'clam shot' which is split shot w/o ears. they come thru weeds beautifully. i will also use a bobber stop to peg a 1/32oz rooster tail/in-line spinner body (cheap on e bay). i love split shot/mini carolina rigs from shore b/c you can craw over and thru just about anything w/o getting hung up or collecting junk.
a roostertail or mepps spinner is usually a good finesse reaction lure. (good panic box stuff).
a good thing to be aware of with soft plastics is not only size but rate of fall. somedays a 5" senko just falls to fast for the fish's taste. but i might be catching too many dinks on zoom finesse worms. then i love to switch to a fluke. its got a slower rate of fall that is erratic but still has a large profile. i don't really use them as a jerkbait. i do very well just dead stick/slow drag them like a senko. just like a weightless beaver has a bulky profile but a very slow rate of fall compared to a standard 1/4oz jig. soft plastics flat out catch fish. b/c casts and angles are limited from shore i fish alot of weightless plastics and i'm quick to experiment with rate of fall. i'll move quickly from a 4.5" finesse worm to a tube to a 5" senko to a beaver to a fluke. they all can be worked on the same rod/split shot rig with a 2/0 hook. and they all have a different profile and rate of fall so i can usually get a pattern going fast.
don't use ur rod to break baid...or ur hand b/c you'll eventually get cut.
set down the rod and pick up a stick. wrap the braid around the stick and pull slowly like ur water skiing. alot of times you can bend out the hooks.