RaffiSvrNJ

Hi Guys, I am not new to this site but unfortunately administration on this website is none existent. Password reset utility does not work at all (no emails) and no one answers contact emails. I could not reset my pw for old account so had to create a new one yet again.
The previous winter I saved the stem of my banana by covering it with insulation, unfortunately when it got warmer and windy day came it got knocked over and water got in so it got all mooshy by the time I uncovered it. It still grew just fine. This winter I did not want to bother and just cut it low, mulched it and covered area with plastic to protect from rain. I uncovered it today and did not find any stem till about a foot down from top of mulch and all wet and probably mooshy. My question is should I try to dig it all up and remove all mooshy parts or just let it grow like last year?
Second question is we have a possibility of frost until May 20 or so.... its been warm and I doubt there will be much cold from this point on. I don't mind If I get some frost damage it if happens if I Can get an extra month of stem growth. Is it possible that the whole plant can die from a night of below freezing temperatures? My banana is planted deep, around 12 inches below ground or more.