I spent about 10 years fishing there once per year.
1. What do I use for Small Mouth... I have seen people say tube baits.. but I cant get any at tackle stores out here... Am I fine using a spinner or a small apex...?
For smallies, rubber stuff works great. If you can't find anything locally, PM me. I will send you away with some tricks. I am a self confessed bass-guy with more stuff than I will ever use.
2. Do I simply go fishing early in the morning and late at night... I know St Marys has boats.. but I have been told they are pretty rickety... so I will most likely fish from shore.. I am thinking the shore lines have kids playng in the lake during the days...
If it floats and you can row. You're good to go here.
3. Does anyone know if I can buy worms over there..?
Don't know. Good to bring a carton if you find them enroute. A nice back up to have. There is good trout fishing there and the smaillies with take a float/nightcrawler readily. Vary your depth, and find drop offs. And most people know, tipping your wedding band, flatfish etc with a piece of worm is a failsafe for virtually all lake swimmers
4 Any other fishing spots on Saltspring..?
TONS! PM is your friend.