You are going to get a lot of different opinions but at least you are going to give it a shot. Nothing better than a nice fish coming up and busting a topwater bait.
In water with some current in it I like a WTD bait. I don't get too fancy. Spook Jr. or KVD Sexy Dawg.
If it's slower water or they seem to want something a bit slower then it's a Chug Bug. Period.
That's all I carry. Couple of chug bugs, couple of Sexy Dawgs, and a spook or two. I've tried a bunch others WTD lures and they sure are pretty but none of them have out fished a spook so I see no reason to spend more.
Color? Baitfishish. Yes that is a word, I just made it up. I hear the talk about this color if it's sunny or this color if it's cloudy but a baitfish struggling on the top is going to look the same no matter what the weather is like. If they are interested then they will find it.
And don't discount buzzbaits. They can be a pretty good time.
Time of day? Yes there are times that are better than others but the fish will tell you that. You can't base it off of the time of day or time of year. It's best just to always have one tied on and ready to go if you get the notion to throw it. See a good lay, or something chasing. Toss it in there and see what happens. Might be surprised.
I caught the fish below back in June. It was middle of the day, probably 2 or 3 pm. Hot. You can see that big dirt bank in the background. Slow water. Nothing around. Fish destroyed that spook. It happens more than you would think.
I won't bring up spinnerbaits because even though they can be fished next to the surface it's a whole other game. Like floating worms, square bills, jerk baits, streamers...................