I grow tropical, too. I'm a master gardener. I don't have to worry. I also have a nice nursery where I can buy more tropical.
I also cut back my common and swamp, this causes them to put forth new growth. And, I keep things watered, which is expensive--but, I'm taking care of the wildlife in my yard.
Don't worry, be happy--be prepared.http://www.youtube.com/watch?v=d-diB65scQU
Play this maybe it will change your mood.