I know you are not close in geography but the zones are about the same.
This is what I did.
Any small plants ( 1 year or less)- the second they lost their leaves they went in the garage or storage area when the temps stay around 35 degrees, not lower.
Larger plants were kept out until they lost all their leaves AND had at least a night or 2 in 32 degree weather- If the temps dropped below that they went in for good BEFORE temps dropped below freezing - Any leaves hanging on I left or pulled off.
I originally put Black contractors bags over the whole tree and pot. Learned the hard way that humidity and moisture trapped caused mold to grow on soil top.
I then wrapped just the tree and NOT the pot. Thought I was OK until I unwrapped the trees. A few had mold on the tips ( not horrible) but probably should have cut slits on top for ventilation.
Stating NOV 1st Until April 1st,( of the months in between as well) every first I watered accordig to the size of the pot. I usually pull them out by or around May 1st.
1 Gallon- 1/4 to 1/2 Cup
3 gallon- 1/2 to 1 cup
5 gallon- 1 1/2 cups
and so on about a 1/2 cup more for the next size up
I didn't lose anyone of my 30+ plants.
I have seen and heard of many laying on sides with no problems. Just make sure not to let the roots dry out.
This year I am not going to cover- Never gets warmer than 40 at any time between Nov and April and never once went lower than 34.