Use your LFD wisely.
With that and today,s weather forecasing science one can minimize his/her risks considerably.
What is LFD ?
In a nurshell it is a date based on historical weather data.
Conventional LFD is a 90/10 probability. That is , there is 90% chance not to have a frost after that date. But inversely there remains a 10% chance that it mght happen.
There are also 80/20 , 95/5 LFDs. Take your pick ! Jump the gun or hold your horses.
Having said all that, I confess that I have jumped the gun few times. Hopefully I have learned my lesson well.