I'm a little late to this thread, but I had to post in it. I only fish in the fall for Whites. I'm usually golfing every weekend, but I take a month off to go to Stockton. Been doing this for over 15 years (not as long as some of you) but this is my two cents.
Wind is the key. If there's no wind, I go home empty handed. I have my best luck with wind out of the north or west blowing toward the bank. I used to think overcast days were the best, but when I was out a couple of weeks ago, I did much better in the sun than the shade. My best years are when the lake is low, like now.
For years I only used chartreuse and orange rooster tails. Now, I use pearl sliders and dark purple swimming minnows. Hope this helps some of you. Good luck!
I almost forgot to add that water temp is really important. I won't catch anything unless it's below 65.