Kristi, not sure exactly what frost cloth is, but my shade cloth works for me in that it keeps to a certain degree the cold air and dampness off my succulents. It is also lighter than bed sheets (don't want any heaviness to break any of my stiff succulent leaves off their stems) but heavy enough to stay on my plants when there's wind. N-sulate cloth is much lighter so it can blow off the plants if it is windy and can be handy if I don't have anything else to use.
I think the trash bags (readily available in any household) would be serving as xtra liner/barrier within the container to the cold for the potted plants.
When it comes to caring for those "special" succulents that I am attached to, there's no overdoing it for me. I take whatever precautions I have the energy to do. And sometimes, old habits don't die.
