Many herb leaves will deteriorate once frozen. However, it is quite common for people to make pesto while the plants are prolific, and freeze the pesto for a fresh treat once the annuals season is gone.
Generally speaking, 'hardy' means a bit different when speaking of annuals.
When speaking of perennials, hardy means that they will survive the winter.
With annuals, it just means that you can put them out earlier than the non-hardy types (and also leave them longer).
Most herbal plants are less affected by diseases than fruiting annuals.
I see no problem chopping them at the ground. As long as your soil microbes are active, they will have food, and keep working for you.
Roots decaying deep within your soil is one of the best ways to improve your soil. If you top your garden with a good layer of mulch/compost, this will help keep the soil warmer for longer. This keeps your microbes active longer.