I do both and have caught many both ways.

I caught my largest on the worm under a float and lost a bigger one on the same thing two weeks later. Both fish were in very low conditions middle of the afternoon on a clear sunny day.

The one I lost was a monster red side, Hooked him in Choppy flat on the middle run of the Duc. Much bigger than the 23# I got two weeks earlier on the upper Bogie.