If I use bait (I almost never do these days), I rig like the other two, using worms, grasshoppers, or salmon eggs. Often don't bother with the weight on small streams.
Spinners and flies, I tie directly to the line. I usually use 3/8 or 1/4 oz roostertail or bangtail. With wobblers, I'll pop a swivel in there. Flies might get weighted or might not.