I just try and keep things simple- trout will usually be found where there is food and adequate oxygen.Rainbows don't seem to slow down that much in cold water; I fish Grafham in the winter months and have found the fish will always feed at some point in the day.Rain doesn't usually make for great fishing, as it normally means low or falling pressure, which trout don't seem to like, but any big changes in pressure upset them.Dam walls offer easy access to deep water, which means more oxygen, so in the summer can be good places to try, more so if there is plenty of food there (daphnia for instance) also.On reservoirs it can be worth anchoring downwind from trees in a good blow, as terrestials do end up in the water, and trout know it. As far as bank fishing goes trees are just a pain in the ar*e that limit your backcast! Trout definitely hate the sun in their eyes, more so when it is windy. Add this to the fact that daphnia are a staple food of reservoir rainbows, and that they go down in higher light levels, it makes sense to fish deeper, at least in the summer months.
This all said trout can be quite perverse, and I've had great days in seemingly 'wrong' conditions.Unless you can pick and choose your days you just have to make the best of it anyway.Find the fish and take it from there.