Shep
I don't separate the hooks with a bobber, so I can change colors on the fly to meet river conditions. It will cause more lost gear if your bobber can't float the hooks. I try to be aware of what my gear is doing at all times and adjust accordingly. I usually carry three pips containers with different size hooks with me. Most of my lost gear is because of the lead and where I cast.. I don't mind losing gear if I am hitting my "spots".

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Marty
www.steelheader.net
marty@steelheader.net