Mud especially dark mud absorbs more sunlight and stays warmer during the cold months. The trout hunker down in that warm mud.

Check out the Trophy Trout video from Troutsupport. Explores a lot about wading in mud and why those Trout are in it. Yes its worth it to find the big ones.

 

Thank you.

 

If the mud has grass in it, yes. I wade a lot of mud/grass flats and dropoffs all year except winter, I don't fish winter.