I thrive on the challenge to catch fish in cold water. I don't think of getting skunked but go to the lake looking to practice finesse techniques.
IMO the best stuff when it's cold is finesse. Drop shot, split shot and slow dragged jigs and shakey heads.
I fished the past 3 days and caught only 1 fish each day. They were ghostly white and put up no fight.
Good luck.