Is this all okay? 20lb braid to 8lb or 12lb fluoro (baitcasters

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Fluorocarbon Leader Line – J&B Tackle Co

PowerPro® Super Slick V2 Line

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Reaction Tackle Braided Fishing Line - Pro Grade Power Performance for Saltwater or Freshwater Fish - Colored Fishing Line Braid for Extra Visibility

Straight 20lb Fluoro on Baitcaster - Fishing Rods, Reels, Line, and Knots - Bass Fishing Forums

If using braided fishing line, do I tie directly to a Rapala hard plastic lure, or do I need a fluorocarbon leader first when bass fishing from the bank, not a boat?