Freshwater trout in Colorado fishing off the riverbank?

Regulations vary depending on what river, what particular stretch of river, and what dates. That will determine what is legal to fish with. 4# mono is my go-to on all my trout gear, but that's in Georgia where they might not get as big. I've never had any break off 4# mono.

Go-to lures for trout are inline spinners of the Blue Fox and Panther Martin variety. Millions of color combinations. 1/16 oz or smaller, and you might need some split shot to get it down into deeper holes.

Popular colors-

All Brass- Panther Martin or Blue Fox
Black body yellow dots - Panther Martin
"Brown Trout Dressed" - Panther Martin

Treble hooks are banned in some trout waters, as I stated above, check the regs first before you go outfitting yourself with a bunch of illegal tackle.

4 lb mono has caught thousands of trout over the years. You'll be just fine using that.

Ditto on 4 lb and Mepps and Panther Martin spinners

One thing about Panther Martin spinners is that they twist your line so use a swivel and if water clarity prevents that let your line unwind every few casts.

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I’m reading mixed reviews online about pound test, fluoro, mono, braided, with leader, without leader, etc….. Never been and clueless. Seems the majority uses 4-6 pound test. Any suggestions of the setup? And maybe lure suggestions?

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4 pound line and UL spinning gear. Mono. Size 1 "Gold Regular" Panther Martin (black body, gold blade, yellow dots, 1/32 oz). You will wear them out on ANY trout water anywhere on the planet.

One word of caution about Colorado trout fishing....they are deadly serious about private land...deadly. They do some stupid shite like stringing barbed wire across rivers. There is ample public are to fish the problem is it is intermingled with private land and often times hard to distinguish which is which, especially when they are prone to posting public land to make it look like private land. In my experience local fly shops are very little help because they have access to the private stretches and are protecting their own interests. It is very frustrating, in my experience. The further you get from Denver the less problems you will have. Most of the public water is fished hard and the access and banks are pretty trashy...Colorado in general is about like New Mexico and west Texas when it comes to migrating wal-mart bags....

I do get line twist problems from time to time with spinners. Good practice is every other cast, let the spinner unwind after the retrieve with about 5 feet of line dangling from the rod tip, spinning (unwinding) in the air for about 10 seconds.

I have used 4# Ande green as leader for my big trout fly rigs for 35 years.