It sounds as if a good chunk of your fishing time is spent on the bank.
I'm a shorecaster. I have to deal with riprap the majority of the time; the federal, state and local governments use it everywhere to stabilize banks. The two lures you've mentioned are my go-to lures for riprap, but I don't use them the way most people use them.
In any kind of rocks, I don't retrieve my lures topwater, or two feet off the rocks, or even one foot off the rocks. Instead, I beat those dadgum rocks with my lures, contacting the rocks and staying in contact with the rocks. It's almost like I'm knocking on the bass's door, saying, "Ba-a-a-ss! Come out to play-ay!" (like "The Warriors")
I do this because of the spinnerbaits' ability to ride up and over stuff. Even still, I lose a lot that get wedged in the rocks. To avoid losing squarebills left and right, I fish them VERY SLOWLY, with a "tic .... pause .... tic" sort of retrieve. That's just the opposite of the way most people retrieve squarebills; most people retrieve them at a medium or fast rate.
Naturally, this style of fishing wears out lures fast. The friction of pulling spinnerbaits over the rocks chips heads and shreds skirts. And the "square" in my squarebills turns into "kinda-sorta square".
What makes it worse is that as a shorecaster, I try to position myself so that I can make a long cast parallel to the shore. So .... more wear and more chance to snag up per foot of retrieve.
I do things this way for one reason: I've learned from this site that I can't count on the bass coming to me; I have to go to the bass. Big bass are ambush fish.
Of course, I see that you've mentioned some rivers, too. I fished rivers for years, and they're different from impounded waters. The fact that the water levels change radically throughout the year allows (or forces) fish to move. Sometimes they move a quite a ways, too. Under those circumstances, you'll need to resort to wide-area casting to find fish, moving and searching taking up a sometimes-frustrating part of your day.
I have no idea whether or not this has helped you. But I learned by doing, and that's still the best advice I can give anyone. Listen to other people all you want, but at the end of the day what you've proven to yourself, in the areas you fish, is what counts.
Good luck! jj