>>924224In my "Beginner Lake Fishing" I reccommend just using a nightcrawler with a hook, bobber, and weight. Hell, you don't even really need the bobber or weight if you just want to jig close to shore for panfish. But any carnivore fish will take worms. In any random lake throught most of the US, toss a hook with part of a nightcrawler and you can get bluegill, trout, crappie, any type of bass, catfish and bullhead, gar, pike, etc.
If you want to fish with lures, a jighead (basically weighted hook) with a small rubber grub will catch tons of panfish like bluegill, crappie, perch, trout, even bass and catfish. Otherwise anything that imitates a smaller prey fish is easy to catch stuff on. So for panfish, <2" Rapala or 1/8oz Rooster Tail. For bass, 3"+ Rapala or 1/4oz+ Rooster Tail. Anything will bite them and they are easy to use and easy to set the hook on.
Pic related is a jighead with a curly tail grub. Super easy, cheap, and effective.