Name: Anne Summerville, SC (Zone 8a) Only dead fish go with the flow!
It may not be the cold. A lot of seeds have germination inhibitors in the seed coat and it can take a lot of washing (rain) to reduce/dilute the inhibitor enough for it to sprout.
On another note .. Alice did I miss a tag when you sent me my awesome pink banana seedlings? A few days ago I noticed 'one' was setting flowers. It looks like a Squill maybe? Whatever it is, I love it!
Human beings, who are almost unique in having the ability to learn from the experience of others, are also remarkable for their apparent disinclination to do so.
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