Hiya John. This is something I have learned over the years, eventually. Lupins that have been established in the garden are truly hardy. Cuttings, etc I take during the summer usually are pretty tough too. New plants, even in 5" pots are not nearly as hardy, even for me in Cornwall. They always suffer and often prevents flowering. So, from this experience......and to be sure plants will,survive...take them into greenhouse or have fleece handy for cold months.