I live in the upper-northwest area of Ohio, about 5-6 miles south of the Michigan border. I was wondering when I was supposed to start planting, all the tags for the seeds I see in stores say not to start till May, but I start the plants indoors (I hardly ever direct seed) and the weather here's been nice for a week now (above 40). Are the dates listed on the seed packets for direct sowing, or does it apply to everyone in the area, and if I plant my started plants outside say next week and frost comes along, will it kill them?