I'm in the same climate, i imagine, as you, Prime Time. For the last few years, I've been starting them in late January, with only natural southern window light. The result: my pods go red in late August, through to late October. This year, I built a "grow-op", fitted with T8 grow lights. It has multiple teers, so I suppliment these primary light sources with 60W grow bulbs along the lower sides. Along with the heat coming from a germination heat mat as well as a small space heater, I plan to start my seeds earlier...perhaps even as early as late November. With the climate that you and I have to tolerate, we need a jump on growing like this, I think. If it turns out to be too early, then I can always just keep them going inside, now, until the outdoor temps no longer drop below 60 degrees F.
I grow super hots: mostly Trinidad Scorpions, of which with some plants, I over-winter, which I'm doing now.