Smaller baits seem to suit cold winter waters. Redworms instead of nightcrawlers, mealie worms instead of salmon eggs or tiny minnows instead of large ones make sense. If possible use more than one bait and switch until you find the one's that work. The afternoon seems optimum if wind and weather aren't problems as that's the period of maximum solar warding. The warmest water temperatures of the day usuallly bring out any winter insect hatches as well.
Species do differ.
Rainbows and smallmouth may cruise in the sun. Brown trout and largemouth may hang out in shade near current or under cover to ambush fish. So pay attention to the sun. Peak winter action may, in low temperature waters be around four or so in the evening. It can get very brisk in the winter.