Interesting, what part of the country are you in? High pressure, bluebird days push smallmouth to the bottom of the river here and they rarely come up to hit moving presentations, typically have to come to them with either finesse or a reaction bite.
Wonder what caused this, pressure?
Amen to that regarding hard and fast rules, I‘ve been trying to pry myself free of them.
Having said that, interesting on your topwater color choice, I’ve always heard the inverse - bone/baitfish with sunny skies, black on cloudy days which made sense to me as the silhouette is more visible on sunny days while black is more visible on cloudy but who knows.