Hi.
I've done quite a bit of out of zone planting here in SE Michigan. Quite a few years back, I bought a copy of Dr. David Francko's seminal work, "Palms Won't Grow Here, and Other Myths" about his research in growing subtropicals on and around the campus of Miami University in Oxford, Ohio, which is in SW Ohio near Dayton and Cincinnati. That inspired me to experiment with a lot of things. Some worked, some didn't.
OK, first and foremost, there is a major difference between true tropicals and subtropicals. True tropical plants not only can't take a freeze, many of them are damaged or killed by temperatures below about 50 degrees Fahrenheit (the exact temp varies by species from somewhere around 40 to about 55 for the most delicate species). Subtropicals and plants from moderate temperate zones, on the other hand, can take periods of cold and even freezing, and the lowest temperatures they will tolerate will once again vary by species. I guess a good example of this would be the difference between the cold tolerance of the coconut palm, Cocos nucifer, which can be severly damaged or even killed by exposure to temperatures in the low 40s for more than a day or two at most, and the cold tolerance of the windmill palm, Trachycarpus fortuneii, which is hardy to zone 7, will routinely tolerate lows in the low teens without damage, and can tolerate brief dips to around zero. Windmill palms are routinely grown in places that receive snowfall every year, whereas Coconut palms are hard to grow anywhere in the continental US with the exception of extreme S. Florida.
So, pineapples -- well, you'll probably find that it will die from chilling injury and rot after a few weeks at temps below about 55. My potted pineapple spent some extra time outside here last October because I had emergency surgery October 3rd and wasn't able to bring it indoors in time. It never saw any actual frost, but it was a very cold October and most days were in the 50s with nights in the 40s and a lot of cold rain. This poor plant turned yellow and lost most of the leaf tips and some of the lower foliage by the time I was finally able to rescue it. It has regreened and started to grow a bit again finally, but I could really see the effects of chilling on this plant.
Now, bananas will work better. People in zone 7 can routinely fruit some varieties of bananas, albeit mostly ornamental ones without useful fruits, such as Musa velutina and Musa basjoo, but some people have had luck with some of the fruiting bananas, such as Musa 'Raja Puri'. The key with bananas is NOT to let the pseudostem freeze if you want to have them fruit. If you just want the foliage, it's sufficient just to overwinter the tuber, which is easier.
I like your concept of a sunpit. I've used pits filled with dry mulch, covered, tarped, and mulched heavily on top to overwinter subtropicals as tender as Zone 9a species with a lot of success against the weather. However, the problem I've had here is with
voles getting into the pit and destroying the plants. My particular region seems to be overrun with voles and I've been fighting them for years, so that may not be a problem for you.
However, as you point out, the problem with a sunpit is that, like any
greenhouse, it will cool off very quickly on nights and during cold snaps. I actually would like to propose either a modification or a change of plans for you, which is to either augment or replace the
solar gain from a clear covering with the heat from some Compact Florescent lightbulbs. Even though they don't take much electricity and they don't put out a lot of heat, since they are low wattage and very energy efficient, if you are VERY good in designing the structure with a very high R value (30 or over, the more the better) you can trap the limited heat put out by the bulbs with great success.
I found out about this method by reading posts on the Gardenweb.com Palms and Cycads board, in particular those by a man from Zone 4 in the mountains of northern Utah who routinely overwinters subtropical palms like Windmills, European Fans, California Fans, Sabal minor, Pindo palms, etc., outdoors inside of heavy foamboard boxes with about 6 to 8 CF lightbulbs in each one. These are LARGE palms, too, one of them is about 12 feet tall. I'd recommend that you go to that forum and do a search for his posts, his username is arctictropical. He has some awesome photos of his plants and his protective structures.
I moved my entire potted subtropical palm collection into my lexan and brick
greenhouse this past summer and decided to use his method as well. I previously had tried to use the greenhouse over the winter for potted plants and growing, but the heat bills were just way too high to justify it -- cost twice as much as it would have to just buy the plants new in the spring, and I couldn't afford it.
So, this November, I bought a bunch of foamboard and R30 fiberglass insulation, packed the palms in, and put a total of 12 CF lightbulbs in there. So far, it's worked beautifully, the plants look fantastic, and we're past the halfway point of winter. I also ran an electric space heater overnight on those nights where the temp was to go below about 10 degrees, which has been about 8 nights so far. I don't really think I needed the space heater, I was just too
chicken to go "cold turkey" without any additional heat on those few extra cold nights. So far, total additional electric costs over my normal bills for the period from November through now has been about $40, which I certainly can afford.
So, my suggestion for your solar pit is to add some CF lightbulbs and a controller unit (you can get these for about $40) that will turn them on when temps fall below a desired temperature, and to either forget the clear cover entirely and use a heavily insulated cover (the
lights will provide all of the light the plants need all winter), or, if you are willing and able to watch it closely, go with the clear cover but also have some kind of backup insulated foam and fiberglass outer cover to put over the clear cover during cold snaps and remove when the weather moderates.
Also, two other things -- when plants are stressed by cold, it's really important to keep them on the dry side, since moisture will promote rot, and moderately water-stressed plants also have more concentrated fluids in their cells, which further depresses the freezing point of the cells, making them less likely to be damaged. Finally, be sure to use as much rodent control as possible. In my particular situation, even using a LOT (like 5 or 6 packages) of poison bate in my pit wasn't
enough to stop the buggers, but I have a really high vole population here, have had for almost 20 years, after they bulldozed the vacant orchard across from me for development, had a tremendous influx of rodents whose children took up permanent residence.
I hope that this helps you. Good luck with your
project.