I always feel the need to comment in these threads because I think that temperature stress gets oversimplified and my research on the topic convinces me it isn't so simplistic.
Water temperature stresses fish in relation to time. What I mean is that a few hours over 70 and the other 20 or so hours below or even well-below causes very little stress. On the other hand, if the temps peak at 74 and remain at 74 for 12-16 hours and then drop into the mid-60s and are hovering there at 600 AM, you aren't doing the fish any favors by "fishing early" or waiting until evening when they dip just below 70.
Depending, of course, on the stream and the recent and current air temperatures, the water temperatures can fluctuate as much as 10-12 degrees over a 24 hour period. If you arrive on a freestoner at 600 AM the day after the air temps were in the 90s and find the water at 68, I would bet good money that for 12 hours or more in the last 24, the stream was above 70, probably well above. At the same time, if you arrive at 300 PM on a 90 degree day and find the temps at 72, you are probably going to cause less harm to that fish than an angler using 7X tippet and playing it for 3 minutes in a stream temping several degrees cooler.
If you are in doubt, fish the creek. the first fish you catch will tell you how it is feeling. If it is weak and lethargic, takes long to swim away, etc., reel in and head elsewhere.