Name: Tom Cagle SE-OH (Zone 6a) Old, fat, and gardening in OH
If you start a mulch with yard waste, particularly leaves, you will collect local-to-you earth worms. Unless you live next door to the tundra your soil will warm adequately with a perpetual mulch kept in place.
See Ruth Stout.
If an old lady could do it, I bet most every one else can too.