Some years ago we planted a field of wheat on November 1.  Never could see it before the snow came.  It did sprout, but never got out of the ground.

The next spring when the snow melted.... I could "row it" from the pickup going down the road.  I was surprised that it grew like that under the snow. 

It didn't give us a "whopper" of a yield.  But it didn't yield that much lower than the wheat planted weeks earlier either. 

In my opinion... for late planting; I wouldn't mud in the wheat, would like to see a weather forecast that is without excess rain for a week or so right after planting (pipe dream, I suppose on that one), and I would be less inclined to plant late if I didn't think I was going to get much snow cover during the winter.  That's one thing we can reasonably count on in Mason County... plenty of snow cover.  Been living here since "77".  Never once has the ground froze.  

best of luck with your decision, gordon