Note how the mouth of the Largemouth extends under the eye, while that of the Smallmouth stops short of it. A lot of fishermen seem to think everything they catch is a Largemouth.
There are many different types of minnows in North America, but the one you are most likely to encounter kayaking is the Golden Shiner, and there is a good reason for this: If you are out after dark and you have a light, they will jump at it and can end up in the boat.
Water Lilies are found in all still and slow-flowing freshwaters. One thing that I have noticed about them is that on any lake or pond, you will always find white ones, and usually also pink or yellow ones, but never both. The flowers begin in summer and last well into fall.