Good time to put camping blankets on sale.
We use some old pop up tent canopies to cover larger areas, frost cloth for smaller plants. I open my large patio umbrellas over some taller hummingbird bushes, the stands are heavy iron, so wind doesn't blow them over, you'd be surprised how well they protect, especially if frost in the morn.
I have come across some paralyzed lizards when we into the 30's here, most go hide somewhere, sometimes in a plant that comes inside and they stay there until the plant goes back outside.
They're predicting about three hours at or below freezing tomorrow morn, and about seven on Christmas morn, only up to 48F on Christmas, Up to 67 today, probably be wearing shorts while covering up plants
This will be our coldest Christmas since 1983, but next weekend back into the 80's...that's Florida for ya.