I agree with much of what all of you are saying.
A buddy of mine on this forum owns property on an extremely clear stream. When I first got there with him, I walked up to a spot up on his bank that was the beginning of a big hole with a nice set of logs...my guess was around 6-7 feet deep. I chucked a WTD bait across the river and kind of worked it very splashy and very snappy...trying to draw a reaction strike. As the bait got close to the logs, which was no more than a few feet from where I was standing, I saw a big smallmouth right under it deciding whether to strike. He was literally 6 inches from my bait. I called my buddy over and he wasn’t able to see it. I told him this was a 20” fish, because I got a really good long look at it.
One week later, my buddy had a Stream Team event or water quality event in that same spot. One of the stream team guys cast a Beetle Spin out and caught a 21” Smallmouth right next to the spot where I raised that fish. Just goes to show that with different conditions and or different size lures, that a skittish fish can still be caught.