Carry a thermometer and check water temps.
The traditional "cuttoff" for water temps has long been 70F.
If you want to keep it simple, just do it that way. Quit fishing at 70F.
That's what I did for years, because that's what we were taught.
Just for my own fishing, through experience, I've come to prefer fishing water that is on the cool side, and not push the 70F thing at all.
Just because I've noticed that trout begin to fight less well not right at 70F, but somewhere below that.
I'm not sure just where that becomes noticeable. Probably starting around 65F or so.
The thing to do is to figure out: Where is the cold water? And fish there in the summer. And just avoid the places where it gets warm.
People get in the habit of going to the same famous places, so they still go to the same spot in the summer.
Just break out of that, and specifically choose to go to places where the water is cold, if you want to trout fish in the dog days.
The water is cold where it comes out of tailwater dams. And where it is coming out of the ground in springs.
On the limestoners fish near the major springs.
On the freestoners, fish well shaded forested streams, and fish them way up in the small headwaters. Where the stream about 15 feet wide or less.
And when you get a big storm system come through and you get about 3 inches of rain or so, the freestone wild trout streams will then flow cool. Even in July and August.
When the water gets very low, when the streams get "down in the rocks" then they really warm up.
During a drought, even many of the modest sized freestone streams that hold wild trout most of the year, will get as warm as 80F.