I am inclined to agree with Lek. Why not germinate something and get the experience? It doesn't have to be a big production; maybe just a couple of plants to see how it goes. They shouldn't "die in 3 months" as long as they are provided with enough light and protected from cold. If you leave them outside in freezing weather, they will probably die. Depending on your climate, you may need to bring them inside during the winter, which means you will want at least a sunny, south facing window and quite possibly indoor lights as well. Like Willard said, you can grow chiles indoors under lights. The biggest, bushiest plant in my grow right now is a yellow moruga in a Kratky bucket that has been growing indoors under lights for a year.
But yeah, growing chile plants through the winter can be extra work and bother for the grower, and might require you to haul the plants in and out of the house a lot, or even bring them inside and put them under lights for the duration at some point, depending on your climate. That is probably why most growers here in the US end their grow about the time that first frost comes, then germinate all new plants around January or February. I guess you have to decide if the extra trouble is worth it to you. Unless you are able to grow outside year-round in your climate, you are really germinating for next season at this point anyway. It can be nice to have mature plants ready to go in the spring, but understand that it will probably require some extra effort from you. I think that maybe you should germinate a couple of plants, and just get the experience of caring for them through the winter. Just to see how it goes, and learn firsthand what the challenges are. But first you must decide if it is worth the extra trouble to you. If not, then just waiting for next season is probably the way to go.
and obviously wasn't even considering heating or having artificial light in the greenhouse because of the costs, I'm too much of a cheapskate :p
