I have become a big fan of fall planting. Even in Minnesota I plant in September and even a week or two into October if the weather holds. Some specific plants no...like roses. But otherwise almost anything. I mulch newly planted things pretty well. I have lost virtually no plants over the past several winters. The advantages are that you know where and how big your existing plants are, and you don't have to baby them through hot dry spells in the summer. And fall sales are great...I agree about the plugs but I know where to go for the good stuff. I was out yesterday just planting up a storm. Many perennials actually prefer to be divided in the fall. And starting tonight it will cool down and rain...perfect! I am hoping to get the rest of my ditch lilies dug out and replaced with other perennials this coming weekend.