Great question Jim.
I use to just tie directly to the split ring, being careful that no line gets
caught between the ring and have the start/end part of the ring closest to
the crank.
Then I started to take the split ring off my cranks and
replace it with a Berkley Cross-Lok snap ( no swivel ).
Both these methods still make quick lure change a bit of a pain.
It has taken me a bit of time to trust the Berkley Easy Clip Snap/Swivel, but
with the right size I find it works great for quick lure change in cold weather.
Figure a fish could pull the lure off the clip but it hasn't happen yet, ( also have the
split ring off the crank ).
I'm sure there are other quick change snaps/ clips , and would like to hear about too.