Continual wind pounding on a stretch of bank will also create a mud line. The bass will use this added concealment as well in certain instances, one exception being in a lake with normally off-colored water. Under these conditions, I have rarely found the bass in the mud line. Directional winds do create current, however, most anglers overestimate the strength of wind induced currents. Research shows that strong winds over open water flow along the surface at about two percent of wind speed.
Weaker winds move water at only about one percent of wind speed.
Wind generated currents are less important in small reservoirs, and coves usually don't have detectable wind currents. Current, however large or small, will position fish in certain ways. If you are not casting into the wind, change your direction. The percentage of bass that will strike a lure presented to them from behind is markedly less than that of one presented in its face. If at all possible, work a shoreline into the wind.