latigra

We're up here on the southern end of Lake Michigan. This spring we planted 2 Musa Basjoos, one in the ground, the other in a pot. Our soil is heavy clay, so I did amend about a foot wide area around the one I put in the ground. Both have been regularly fertilized with 10-10-10 granular tomato and vegetable fertilizer. The potted one is in a 2 gallon pot with a good quality potting soil. They are both crossing the 3foot mark and each new leaf is bigger than the last. It seems the potted one might be doing just a smidge betterand I noticed a pup on it today.
Now, in anticipation of cold weather, hubby and I are having a disagreement.
I want to bring the potted one in the house for the winter to insure we won't lose them both again . Rod says he wants to overwinter them both outside per Sandy's method, because by gosh, that's what the catalog said we could do.
I am concerned that the one in the ground might rot due to the clay soil regardless of how well we mulch, and if I had my way, I'd dig that one up to0 and give it another year before I try to overwinter it.
Last year the 2 we planted rotted, partly due to inadequate mulching,and partly due to severe flooding last September. We had 2 feet of floodwaterin our yard,(and basement) andthe soil didn't actually dry out until this spring. I don't want to lose these guys! If I have to rent a room at the Motel 6 I'm gonna pull them through this winter!
I would love any and all suggestions.
Thanks, Paula and Rod