I use braid in saltwater, and if im fishing heavy cover in freshwater.
Mono for trolling (i like the stretch) If im throwing crankbaits, fishing bottom (live bait) Ill use mono as well.
As silly as this sounds, i dont use a baitcaster freshwater, Ive grown up with spinning reels, and can finese my bait in anywhere, If it aint broke, dont fix it LOL