Get a kayak or a small boat that you can lug around. It would open some doors to different waters. The places you mentioned are tough, if you don't have a boat. I take a little 10 ft jon boat to McNeely quite a bit and do well along the bank opposite of the park. You could even paddle around in Harrods Creek and get in on those bass.

If a little boat isn't an option, I think the best deal for the bank fisherman is the Jefferson Co. Sportsmen's Club
http://www.jc-sc.com/
$135 per year for the whole family to enjoy
37 acre lake with some really nice bass in it - well maintained and kid friendly with a playground nearby
indoor pistol range, outdoor archery range, weekly trap shoots, camping area