Fall fishing is VERY difficult. Also I worried WAAAAY too much about water temp. Keep an open mind, and just fish. The water temp deal is totally a generalization. I couldn't get bit on topwater on 6 trips here from Labor day until a week and a half ago. Water temp dropped from summer temps to low 50s, and topwater NEVER worked. They only wanted moving baits and senkos in DEEEEP water. Then I throw a tournament last week when the water temp ROSE a few degrees to HIGH 50s, and it was won on shallow approaches with finesse baits, as well as whopper ploppers on top. They are very unpredictable in fall. They can be finicky or ultra-aggressive. They move very far for food and it changes constantly. Try your favorite tactics, cover LOTS of water, and change your approach FREQUENTLY if you are not being bit. Drop speed can be huge, go fast, go slow, moving baits, slow sinking baits, topwaters, deep swimming baits. Show them everything until they give you hints and you can finally put a pattern together. This is coming from a guy who really struggled in past years trying to learn this and is finally figuring out some things the past two years and got some good ones in the boat. The fall deal can be very tough, but very rewarding. Best of luck!