I built some insulated palm boxes for the windmills/waggy. Easy to put up and inside I have old Christmas lights on a thermocube. They were transplanted to the new place last summer so I want to give them a chance to get established before subjecting them to harsh weather. I do have a needle palm that is covered in leaves by the side of the house and it's a tough plant as it did not have any protection last year and came through winter without a scratch. Bananas get some leaves and frost cloth over them.