Spinnerbait if around wood, chatterbait if around grass. 

Got to have both. Some days one just works way better than the other, even when it doesn't make sense. One of my best days really early last year was over shallow grass in muddy water. Spinnerbait ruled the day, should have been a bladed jig day. I'd rather fish the bladed jig, but I really enjoy a spinnerbait bite too.

I'll start with a Spinnerbait in those conditions. 

If I could take only 3 lures to the afterlife 1 would be a chatterbait and I caught my PB on a chatterbait in muddy water none the less, but the spinnerbait has outperformed the chatterbait in muddy water especially really cold muddy water. 

I'll use both.

 If there is a lot of timber, the spinnerbait gets used more. Bladed jigs can be a pain with snags around wood.

on weedy lakes I usually start with a bladed jig. 

On rocky, coverless lakes it depends on where I am.

for some reason there are lakes around here, that bass will not hit a bladed jig and others where the spinnerbait will draw a blank. I think it is based on the forage base of each lake.

One of these