I'm with you, Wade - I never understood the whole tipping thing. A live bait will act much more naturally without being encumbered by a lure. As far as the baits I use, my two primary baits are red wigglers and crickets. Crickets can be deadly during the summertime, sometimes outfishing anything else; but they tend not to stay alive long underwater, whereas a red wiggler will stay alive thirty minutes or more underwater no problem.
Sometimes a whole nightcrawler works well on really big bluegill.

