IMHO .... the saying - "90% of the fish are in 10% of the water" (most of the time, spawning not included) was meant to explain a couple of points. One being that most species school together, thus large numbers are in a concentrated space. The other is that most of those fish are not always concentrated around the banks, where a majority of anglers seem to prefer to fish. Now ... change that saying a little, to : "90% of the fish are caught by 10% of the anglers" -- and that seems to imply (to me) that 10% of the anglers are: more educated on the habits/habitats of the species they're after - fishing more often than the "weekend warrior" - more diversely equipped to handle varying conditions & methods - and are more likely to spend their fishing time in the 10% of the water, where the 90% of the fish are most likely to be.
I believe this "rule/saying" was brought about by Bass anglers ... but, probably is a pretty close definition of Crappie fishing, as well. That's why this site is so valuable to Crappie anglers ... the less experienced 90% can learn from the more experienced 10%. That's the purpose of this site (IMHO), to show those 90% how to join the ranks of the 10%. And, as a member of the 90% faction, I'd like to thank the 10% for sharing their expertise. ........ cp