I'm still learning myself, honestly. I wasn't much of a soft plastics guy until last year when I first learned to texas rig a senko. As a bank fisherman myself, there doesn't feel like a wrong time, place, or way to fish those things. I've been experimenting with other plastics, but the 5" senko is still boss for me.
I will say I've had good luck with Z-Man Crawdadz rigged texas on a 3/0 weighted EWG hook. They stick to the bottom well and the claws are really buoyant and wave around enticingly, even when deadsticked. Skin hook it and it's perfectly weedless (the weight might get hung up if there's lots of rocks, though). Drag 'em slow through fishy looking spots.