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biannual plants are hardy and will over winter as a juvenile plant just as you presume, maturing and flowering the following spring/summer
Lupin are a perennial but take a year to establish before flowering. It's also said that they are short lived, 3 maybe 4 years, although may gardeners will tell you theirs are older. It's really down to the plant tbh.
Biennials stay, slugs permitting, as small plants eg foxgloves over the winter months & then flower the next year. J.
Tina -I replied to your question last week on the same subject?