the bass in the northern states are more used to and more tolerant of colder water than say the florida strain bass in the southern states. so even though the water temp may be 40’s the bass are catchable. If you are happy with fishing for walleye, steelhead, pike, crappie, then by all means continue.
if you want to fish for bass in colder water, rule of thumb for clear water when the water temps are 40-50 degrees, use jerkbaits, lipless cranks, finesse cranks, blade baits, grubs, in murky or muddy water use shallow cranks, lipless, vibrating jigs like a chatterbait, spinnerbaits.
give it a shot, you never know when that lunker is going to be tugging on your line. have fun and enjoy!