I skip the last cutting of the year and leave it tall. As soon as the grass is dry in the spring, and the frost is out of the top layer of ground, I mow. I am the first to mow, and the first to have green grass in the spring, by weeks. Leaving it tall helps insulate the ground in the spring and hold heat during spring thaw. This is where root damage occurs. It's not the freeze during the winter, it's the freeze-thaw-freeze-thaw cycle that happens during the spring which causes the stunted growth and or freeze out of grasses. Most lawn grasses are pretty much cold hardy and shouldn't freeze out(die), but, if you want green lawn early, leave it tall.