I've fished til 2 am on Lake Cumberland last Dec., casting Gizz4 crankbaits just to the bank from boat, and retrieving as slow as possible.
We were fishing clay banks, were ever you'd find shad, even the skips you mentioned, I'd cast cranks, jigs, etc.
We also fished a hot water discharge til 11 pm, snowing and cold, but stripers/wipers were biting.
Same Gizz4 crankbait, but wading and casting into mix of hot water and Ohio River water mix.
I say go for it, and enjoy the excitement of not seeing when that Momster Striper hits a top water or shallow crank!