No, Julia. Technically, you can start anything any time. Common sense just tells us that anything needing a cold strat might do better in early winter. There's no need to do anything that doesn't require cold strat in early winter, but even those
could be sown in January. The only reason some of us seasoned veterans have learned to wait until later for tender things is that we've found that they can sprout in an early warm spell and croak when the cold inevitably returns.
I'm not too particular about worrying about roots. Wintersown plants develop incredibly big healthy roots, and they survive my abuse.
I generally plop the whole blob on it's head, out into a flat
Then I flip them right side up, cut into squares with a knife, and plant the squares.
I have been know to plant the whole blob in one piece. I had a milk-jug shaped lump of campanula for several years.
I usually plant them when smaller than that. Weather must have been cold that year.
Karen