26F at this point in the year should be fine. The problem occurs when it gets quite cold in climates that have poor summers. When the frost is really early or really late. Or if you have a really strong frost spell in your zone 7 climates. Most winters, your satsuki bonsai will very likely be fine. But if you have the coldest winter in 5 or 10 years, it can get damaged or potentially die. Or maybe it will be fine. Also depends on your type of zone 7, and the cultivar. Most satsuki are in the range of -5 to 5F as garden plants. And the hardiness usually indicates damage or no blooms, not the entire plant dying. So that may mean 5F could potentially kill your bonsai.
If you get early frost, one should check if it has signs of dormancy already. But I bet yours has. If you have 50F night temperatures all of October and November, and then it suddenly drops to 20F, then that is trouble. Stopping with fertilizer past September also helps it go dormant. But then it needs some colder nights to trigger dormancy fully. Once it is dormant, it can take quite some frost. In zone 8, it can go down to 10F/-12C, and that is likely in the ballpart for what they can take safely when dormant.
My biggest issue with frost has been in spring. Once it has new growth, a single degree below 0C will destroy the new growth, potentially defoliating the plant. Had this happen to my Haru no Sono. But it recovered fine, as if it was pruned completely. That did have me scared a bit though.