I am going to follow what my plant shows me..if it starts to drop more leaves, in it goes. Overnights temps are dicey at times. Temps may just register with 55F but windchill may be higher when there is constant cold air blowing. Even my jade plants that are more cold tolerant just gets too hurt when windchill comes along too much and gets rained on, what more for a tropical plant like Plumeria.
I will not make the mistake I made with my other succulent, Sansevieria. Truly hates the cold. So same with my plumies, will give them that treatment, in it goes when we start getting way too windy and just in the 55F range at night. Moreso when we get forecasts of rain in late fall, double trouble.