Hi Kabby, I've never gotten my bananas to develop fruit because I don't wrap the pseudostems and I just let them die down to the ground. A friend of mine who lives in Arkansas wraps his in frost blankets and old xmas lights to save the pseudostems. He also said giving bananas lots and lots of potassium to build up a strong corm helps get them through Winter better. I tried storing mine in an unheated shed wrapped in blankets and that just caused mold to develop. I think its because they were getting enough air flow and the constant warming up and cooling down contributed too. You could also pile bags of leaves around the pstem because rotting leaves produce heat. This year I'll probably let mine die to the ground again because its too much work for me. I hope that helps some?