Bob Smith, Maybe you answered your question in your last paragraph, that you don't get out but a couple times a year. In general, I would say, the chain is a mediocre fishery at best. It takes time on the water to be successful on this body of water and not just "lucky". I've been fishing the Chain for 15+ years and the only recommendation I have is if you are not catching fish, don't waste time. Move somewhere else. You've got the side imaging, move around until you find fish. Good structure is hard to come by on the Chain but it does exist.
Water temps have been fluctuating up and down up to 10* a week for that last month or so. Now that it's getting cold, it might be a little easier to find fish because there's going to be less water temp fluctuations as we ease on into hard water season. As of 2 weeks ago, the crappies have started staging in their winter/spring haunts. White bass schools were huge on Channel and Catherine. The week prior to that, I was catching bass on senkos and walleye on jerkbaits.
You need to put in time because the Chain has no magic secret. Water levels are going to start lowering to winter pool next week. Good luck