Ideally I would think tying directly to the lure is best.
However it is so convenient to change baits with a snap swivel.
What is the real cost of this convenience with:
Crank Baits
Jerk Baits
Top water baits
I would think trade-off may be different with each application. My theory is there is not that much cost using a snap swivel with a crank bait; but a much greater cost to the other applications due to loss of action of the bait.



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