I am in zone 3 Washington State. ( no, it’s not all warm and rainy)
I have the best success planting in the spring so that my trees/ shrubs/ perennials have time to gain
root before winter. If I plant anything of size late summer or fall I lose it. Things here just need to be established before winter. My roses are hardy but even they die back and come up from the ground in spring. I do not prune anything back in fall. I do it mid winter or spring.
I can’t grow a peach tree here. But apples,cherries, elder, plums, currants, raspberries and blackberries, gooseberries, etc I do well with.
I mulch everything all the time. I use lots of shavings in extensive flower bed, leaves and
straw elsewhere.
I put about 4 inches of mulch on tender things before winter. I make sure nothing is below eaves of the house or huge trees because the snow acts as an insulator plus the moisture from the snow is necessary.
When I do plant i incorporate a sand peat mix and composted manure into my plantings. I
water heavily until the scrub/ tree/ perennial is established and I water the foliage of the plant. I save most everything ; even the junk a friend brings home from the dump pile at the
greenhouse!
I long to grow a peach…but it won’t happen here. Nor a watermelon of any size or a huge squash! But be that as it may my garden thrives.
I had no success with hardy kiwi.
When I plant vegs I make sure they don’t take more than 90 days so some heirloom seeds are out for me.
I do have a hoop house but it was so bloody hot this summer it’s not usable. I do extend my season for tomatoes with that if I need to.
To me the biggest help is establishing plants long before winter. In my area I have found fall planting just does not work.