My Trachycarpus are protected with C-9 lights.
My sabal minor and evergreen dogwood just have a pot flipped over to protect them
My needle palm has leaves over it
Everything else (Fatsia, Gardenias, Camellias, Loquat, basjoo) are unprotected.
Here in FL:
It's been a great winter so far. Usually we see several nights below freezing throughout the winter, but this past week was our only night below 32F so far. No damage on anything other than the bananas.
Biggest surprises so far are no damage from my Licuala spinosa, Stephanotis, hibiscus, Ti plants, or Brugmansia. A few brugmansias's in the area are flowering really nicely this winter.
I do have damage to my coconut palm and screw pine. Hopefully they pull through. Florida may give me an opportunity to try out different plants, but it still feels the same as pushing the limits in NY!