There are still a lot of smaller lakes you can fish year-around. Sawyer is a good bet for smallmouth, perch, and crappie every month of the year. I've done good on Steel Lake very late in the year as well as Lake Meridian.

During cold water (anything below 49*):

If you know where there's some deep water structure toss plastics or even a small jig-n-pig and just drag them along the bottom as slow as you can. You can also troll a deep diving crankbait or tie up a walleye trolling rig but use a floating crank instead of a spinner. That setup will catch smallmouth from Dec to March. You can still catch largemouths around docks up until about the first week of Dec most years.