Steve --
My main point here is that relative "cold hardiness" may be different in different locations.
Let me start by making it clear that I'm not sure what "cold hardiness" means. We know that a fig is damaged during the winter, so we say it is not "cold hardy." But what do we really know? We can't be sure whether it died from the very lowest absolute temps of ~-5 to -10 F endured in February, from the weeks of less cold but very dry winds that it endured in January, or from the sudden drop in temps to 25 F after a week at 50-60 F.
I think your fall/winter is about the same as mine in pattern; it's just a bit colder here (RI 6b). So I'd tend to agree that "in a normal fall it would gradually go into dormancy." So it's not so much the autumn I'm worried about, here or there. Also, winter temps here have gotten to -5 F more or less in three of the past four winters, without material damage to my in-ground (protected) RdB. So I don't think absolute temperatures are the main issue.
It's more the spring I'm worried about. I had a grower in CA write that his RdBs were killed by a drop to 30 F. I assume that those trees had already emerged from dormancy and were growing. Trying to apply the lesson of that observation here, I think that the greatest risk may be in spring, when warm temps tease a tree out of dormancy and then a cold snap kills it.
Last winter, I had roughly 60 trees of 35 varieties stored in the same unheated but attached garage. The temperature never dropped below 35 F. Until March, the temperature very rarely rose to 50 F and the trees stayed dormant. Then in March and April, there was an increasing frequency of days with temperatures 45 F and higher. What I observed was that some varieties began to grow earlier than others. Smith, LSU Gold and LSU Champagne, and some others started early; RdB, the Mt Etnas, and some others started late.
If this apparent resistance to emergence from dormancy is real and if a growing tree is more vulnerable, then the key questions would be (1) how resistant is a variety, and (2) how variable are local temperatures in a range of roughly 25 F to 60 F? Paradoxically, growers in Z7-8 may be more exposed to variable temps in the stated range than growers in Z5-6.
That's not to say that absolute temps don't matter. Another observation of mine was that some varieties, notably Smith, did not seem to lignify as thoroughly as others. I suspect that these green dormant figs are more vulnerable to absolute cold than the well lignified varieties.
Anyway, RdB has been among my most cold resistant varieties, roughly equivalent to Florea. It has been superior to my Mt Etnas (MBvs and HC) and to Gene's Paradiso. "Hardy" Chicago is, ironically, the least hardy of these here.