As you can see from a chart there are literally 100's of offshore reefs out there. Some are absolutely loaded with Smallies, some are barren of fish. The best reefs top out in 10 to 15 fow, have broken rock (not smooth) and ideally have some sparse weed growth on top. If you find one with boulders from softball to basketball size, you've hit the jackpot.
Best approach is to map out a bunch of them, pick a flat day, and then run 'n' gun. You'll know within 5 minutes if it's a productive reef. Once you develop a milk run...it's easy pickn's.
Top water bite usually peaks with the "frog migration" later in September when the water cools a bit...and the SM come back into the shallows for awhile. That being said, there always seems to be a few eager ones willing to slurp something off the surface in the morning or at dusk, regardless of the calendar.
Sometimes, in the middle of summer right at sunset I've caught them on topwaters in over 70+ fow. Packs of Smallies will drive Cisco/Shiners/Shad to the surface. It's almost like saltwater fishing...you'll often see a bunch of Seagulls and Terns swooping down as the baitfish boil, jump and scatter on the surface...with the Bass underneath.