I think Boyd will be the same this year with stockers. They put in a bunch this fall. I agree, not the worst problem I ever had fishing. Go far north or far south on the lake and you may have a few less trout biting.
Lake Loveland can be hot or cold as with any other lake. Some nice perch and crappie are usually caught there. The northwest bay should be good this year as the lake is full of water; it also freezes first. Couple of good spots on the south side by the highway also. You will see people almost always directly north from the stoplight on Hwy 34 - there is some pipe structure out there. The inlet area along the highway may be better this year due to a lot of logs, limbs, etc. washing into the lake from the flood waters, providing some structure.
Get out on one of them and move around a lot and watch others' locations. There are always some "regulars" who fish Boyd almost daily. Usually retired guys who know the lake pretty well; they can help with advice. The early morning breakfast group usually hangs out in the marina area and seem to catch fish pretty consistently.
