Re: zone 9 central valley banana ?
Greg, I'd probably leave the Ice Cream in the ground though mine died when we had the big freeze in January 2007 (20.4F here). My problem may be a little worse than yours since water-logged soil in the cold winter is another issue and you probably get less rain than me (unless you're in the foothills, etc.). The ornamental really depends on what it is, many are very tough. The Dwarf Red is very cold sensitive and you may need to sleep with it (a slight exaggeration!). The Siam Ruby is generally also considered to be cold sensitive though Pete over-wintered his outside under leaves in Lousiana zone 8.
If you come up to the delta some time, send me a note and come by.