For a cold day, the most practical fishing picks here are the two Feeder Creek Beadhead Woolly Bugger options and the Stone Cold Fishing Beads #5 Hammered Nickel “Independence Day” Hoochie Rock & Roll Casting Spinner by SCB. The Woolly Buggers are good cold-water streamers because they sink quickly and give a natural, leech/minnow profile; the white version is better in low light or winter-clear water, while the olive version is a strong all-around choice. The spinner is a solid cold-day search bait for salmon, trout, and steelhead when you want flash and vibration.
For staying comfortable, the Gill Meridian Hoodie and Huk Gear Huk Cold Front Hoodie Cypress Landing Heather are the best apparel fits for chilly, damp, or windy conditions on the water.
Switch away from these if fish are inactive and refusing moving baits. In that case, a slower bait presentation, scent-based setup, or a more bottom-oriented approach may work better. If the day is cold but bright and ultra-clear, downsize and slow down even more. If you’re mainly trying to stay warm rather than choose tackle, prioritize the apparel items over lures.