I do live ON KY lake for the last 15 years and I am out 3 to 4 times a week, 10 mph you "might" see white caps mainly if the wind is directly North or South 1-1/2 to 2ft.... maybe - not 4ft rollers - they hit when it's 20+ with high wind gusts, I've been there done that, and the lake is dangerous with winds over 10-15 mph in a bass boat even more so in a John Boat. Gusting wind is usually the problem, right now when the wind is high the waves aren't necessarilly "rollers" they are more like swells there has been a lack (not always) of white caps, I guess due to water temp/current this time of year??

In a john boat you have got to be carefull anyway, some boats put off a wake that will sink you if you don't know what you are doing. The original post stated he did not want main lake, he realizes his boundries and isn't chancing it - good thinking!