Very common to get cob on spoon, your retrieve must just be very very slow. Throw on the bank and pull it very slowly into the gully.
Shad, a slow to medium retrieve is good. Test from top of water right down to bottom, sometimes they right at the top and sometimes they right at the bottom. Normally encountered right by the white water.
Leeries, you can go from very slow to very fast, depending on what lure you're using, again, try top and bottom.
Remember, it's not a drag race. That's why I generally prefer the lower ratio grinders. It helps me to slow things down in the heat of the moment.