I always advocate on the safe side of protection for sure. I'm just really happy to be getting the cold instead of the too warm temps. I had not thought about the sharp drop in temps, as it's still only getting down into the high 20's here, which really (in the big picture) isn't terribly cold for winter in the mid-west. We will see some teens in a few days, but briefly.
Here's a question - Do trees really react to temp. range drops like that, or is it just minimum temps that they react badly to? I guess I always thought it was minimum temperatures that cause problems.
Of course all bets are off if the tree is not dormant. I just assume that if the leaves have fallen, then the tree is dormant until the buds start to move.