Regular Musa velutina is very cold hardy...
I'm afraid my Musa velutina died off from being crowded out by other plants but a few people grow it in my area which is zone 7b. It requires mulch in the winter and dies to the ground but it comes up quickly from the rhizome. Mine always flowered later (maybe due to crowding) but others find it will usually ripen in one season even up here. The fruit is technically edible and tasty but as you mentioned mostly seed. If only it was seedless! The peels open almost like the petals on a flower with the fruit in the middle presented to the wildlife to eat.
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