what about swivels?
99% of the time, I tie direct, using the appropriate knot for the presentation(i.e., a loop knot for minnow lures, Zara Spook, etc.).
I only use a swivel with in-line spinners(like a Mepps or Roostertail) or with spoons. I will also use them when using a live bait rig, like a
Lindy rig - but I don't use bait very often... and when I do, it's usually under a float for crappies/panfish.
When I DO use a swivel, it's
always the interlocking wire type in a black color.