Hetty, as I said, I learned the hard way.
Mike, when you let a fresh cutting "dry out", what you are doing is letting the cut end callous over. In other words the cut end will form a "scab". That does not sound very appealing but that's kind of what it is. The callous just shows that the cut-end has stopped oozing sap and has dried. Once the callous has formed, you can pot up the plant and root it. When I said it doesn't matter so much about time left "dry", I meant that a plumeria can literally go for months without roots, without water, and without light. Sure, the cutting will dehydrate some and won't be as vigorous when you try to root it in the spring, but I have rooted dozens and dozens of cuttings that have overwintered for four months in the house, as I have described previously.
I always leave the inflo stems on when rooting. I see no difference whether the cutting has a stem or doesn't.
Next time buy your plants from me and you'll get all this information upfront. LOL