Hi Al,
I know that you want to catch fish on your outings and you are doing the right thing by asking the questions about temp/chlorophyll, etc. Especially asking guys like Mike, Jeff, and Yale. I know that sometimes fuel costs are a factor and we cannot all afford to fish every week but, If the boat is running well, you've got fuel (or a couple buddies willing to help pay)...Just go! I hear too many people saying "I'm not fishing because the counts were down yesterday". Many times the guys who catch fish regularily don't even report their catches. Look at the information available to you, plan your best estimate of where you think the fish are and Go! It's really all about time on the water and, who knows maybe you'll be the guy who finds that huge volume of fish where nobody else is looking.
Every once in a while, even I catch fish.
Just Go!
Good luck,
Scott