Most of the lakes up here are either in a late prespawn or a full on spawn. Only lake I have not seen beds on up here is Six Mile lake by East Jordon. Water temps are anywhere from 68 to 72 degrees.
I fished silver this year 2 weeks ago and got a few. Some good solid fish, some I was not sure how they got the spinnerbait in their mouths.
As for the bay. It's cold still. Ive seen some smallies in the Elk River dam area this past week. My guide friends doing salmon have seen them moving around near the drops and shallows on both bays on the way out to their fishing grounds. Running out there isn't bad in my 17 foot Champ as long as the wind is not over 10 from the west or east. South winds put some good rollers out there and anything brisk outa the north or northwest will make ya think twice. Just use common sence. You know what your boat will handle .
Chrisvmo is right about long lake. It's chock full of nice big smallies also. It's very clear and bluebird days make it hard to fish most of the time.
A few other lakes in the area ar Leelanau, Glenn, and lake Ann. All good choices for smallies and a coupla largemouths.
Good luck up here and hope you enjoy the area. We love it up here.
Matthew