Our lakes have really been in bad shape this year, we have not had any rain to keep them up. I ride Cherokee Lake and it is near Norris on the east end of the lake where Clinch River runs into Norris. Like Kevin said the water will still be a little cool, but with a good sunny day and maybe a heater top or spring suit you should be comfortable. That time of year you will not have to worry about anything but fishermen, who own the lake by-the-way.
The water temp on Cherokee today was 57 and the air was 48 and we had a light rain about all day. I have to say it was a great day.