The problem with the 'better safe than sorry' for folks that live in more arid areas that might have warm to hot temperatures is that waiting 'til the danger of frost is past, you've also waited past the time when the plants can manage the heat and dry conditions. It's always a crap shoot. Plant too soon and you might have to replant due to a freezing spell; plant too late and the plants simply don't flourish and there is no return for the effort. Watching the historical dates can improve the odds, but in any given year that may not work. Even natives and established plants get fooled by the weather. In this area, reliable peach crops are a doubtful proposition because the plants are tricked into bloom too early. Decades ago, it didn't happen as often. Not many around here attempt peach orchards anymore.