Well not all fish will retreat to deep water and every lake is different. In my experience they will go deep when the water temperature hits the 40s but some lakes will be different. The overall depth of the lake will be a factor. On a shallow lake the may just hug the bottom, in deeper lakes that may all go really deep or some will go deep and some will stay a little shallower, on my home lake it is different for the lower end of the and the upper end. Everyone will tell you different things because we all fish different lakes
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