Honestly I don’t give it a lot of thought anymore, but one that comes to mind is when I am on a square bill bite. Over a week on a vaca they were crushing the Xcalibur 200 SB that pushes a ton of water. Two cold fronts later I had to switch to a bandit 100 a SB with a much subtler action and the bite was on. Is that finesse no, but the lighter action of the bandit was a winner that day.
The only finesse baits I fish are probably rigged on a true Ned head. Rarely fish a drop shot or other finesse techniques. Slider spider rigged plastics, normal plastics most fish with a bullet sinker and worm hook, are 3/16 and 1/4 ounce fished like a standard Texas rig. For me it’s a mentality not the bait, so I may not finesse fish ever, but I fish with either an aggressive or subtle retrieve depending on what the fish want. Based on other convos on here a subtle retrieve with a bigger and heavier bait isn’t finesse fishing.
After all the rules with what is and isn’t a Ned rig, I gave up trying to say I am using this specific method to catch a fish, rules make it too difficult. I just want to catch them however I can. If it is a Ned bait on a 1/4 ounce mushroom head due to wind and waves making lighter jigs impossible to fish so be it.