I fish either a Fluorocarbon line and a furled line that is about a foot or so shorter than my rod. To that I add my tippet with a loop to loop connection of about three feet. If the stream is a little larger I'll go with a longer tippet. I'll fish this set up with both wets and dry's.
Now sometimes you need to just get in the water and attack it that way. Most streams will have less overhang if you are in the in the stream. I don't advocate it if there are others fishing but if I am alone no one will be offended.
If you can get up with Jon, creationbear, he lives in K'ville, I know he would be glad to help you out.