Here's my 2 cents' worth (actual worth is probably half of that 😁).
As our lake has aged, it has lost a lot of cover to decay (wood) and seen much of its structure soften or lose its sharper edges (siltation). I believe this has led to a growing population of fish that have become nomadic ---- i.e., they roam around with the baitfish. And when the thermocline begins to break up, baitfish scatter and so do the bass. Like Bill is saying, this is a situation that normally happens in September but seems to have come earlier than normal this year due to cooler nighttime temps.
This is why that even though they are getting harder to find by the day, I like to seek out areas that still have the right combination of structure and cover to hold fish. These are more apt to be "resident" fish rather than nomads just swimming thru while following the shad. Understand that these fish are not nearly as numerous as the nomads, so you have to be thorough and committed to what you're doing when fishing these areas.
In a nutshell, I'm not as gifted as Bill and others when it comes to sniffing out these roaming schools, so I try to find the ones that are sitting still and letting the food come to them.
Thanks for everyone's thoughts and ideas in this thread .