People book a cabin in November on the strength of a July photograph and arrive to find the lake has moved away from the dock. This is the single most common disappointment in Fannin County and it is entirely predictable.
TVA runs Blue Ridge for power, flood storage and downstream flow, not for the view. The reservoir is held near full pool through the warm months and drawn down through the autumn, reaching its low over winter before refilling in spring. The drop is not a few feet. On a steep-sided lake it exposes wide bands of red clay and rock, strands floating docks, and puts the end of several public ramps on dry ground.
None of that makes a winter visit bad. A drawn-down reservoir is a strange and rather beautiful thing, with old road beds, stumps and stonework appearing along the banks. It is simply not a swimming and boating lake at that point.
Two rules. Check the current elevation on TVA's own reservoir information before you tow a boat or book a pontoon. And treat submerged stumps as a real hazard at any level other than full pool, particularly in the upper arms where the old river channel wanders.