So, if i can make an observation from your posts, maybe the reason you feel like you're over-analyzing things is because your focus drifts between species, environments, etc in your thought process. At least that's what I'm noticing in your posts. I love targeting different species, but if i'm trying to figure out everything that swims in the river, and not focus on one species, I'm not going to have nearly as productive a day (ESPECIALLY on a new body of water that I'm not used to fishing) - both in terms of fish caught, but also in pattern building and sorting info I'm getting while on the water. You can target multiple species on a trip, but I have a lot more consistent success doing this when I already know the water and the species well.
As for clarity and water level....
The first post covered your normal summer - fall low water conditions that will usually mean clear, tannic, or mildly stained water. Some rivers flow a bit more brown year round, and if you've got rivers like that, that generally means slow current and a different approach.
High water or rising water generally means pretty stained to muddy water. It will impair visibility, change where fish hold, and change how they hunt. Smallmouth are primarily sight feeders so overcast days with high muddy water can be difficult, but fish can be caught. This will usually stack fish on current seams, behind points, along shorelines, behind islands and in flooded areas with protection from current. Bigger baits, more flash, bright/dark colors, and lots of vibration should decide your bait/technique selection. You may have to fish a bit slower, or drop a few extra casts into pockets to help fish find your bait. Rising water can be awesome, just make sure it won't be dangerous.