Some good advice above.
I skimmed the article, what I could get before my eye's glazed over (just teasing, but I am not in the mood to read for detail today.) the article is geared toward landscape nursery production. All good stuff, but not always directly applicable to "bonsai".
You are in zone 5. Judy is right, species matters. What species of tree, and what ecotype it is for species with wide native ranges really matters. If you only grow species that are native to environments colder than your own, you need to do very little at all for winter. Take the tree off the shelf, set it on the ground in an area that will be in shade for the winter. For example, in Logan, Utah, Lodgepole pine, Jack pine, bur oak, potentilla, mugo pine, black hills spruce, colorado blue spruce, engelmann spruce, are all native to areas that extend through zone 4 into some zone 3. These will be fine pretty much just sitting on the ground for the winter.
Obviously, Japanese black pine, crepe myrtle, Japanese maples and many many more species will require protection from temperature extremes. As these all require zone 6 or warmer to thrive.
Another thing to remember. The bonsai pot - when you get into fine ceramic bonsai pots, not all pots are reliably tolerant of freeze thaw cycling. High fired ceramics should be frost proof, but shape of the pot plays a significant role. The pot needs to have walls that slope outward. That way as the root ball freezes, and its water expands as it becomes ice, the root ball can "float" or expand up and out. If the walls of the pot are perfectly vertical, or incurve, as in "bag shape" pottery, the ceramic will lock the root ball in place, and the pressure of the expanding ice will fracture the pot, even if it is high fired ceramic.
So for young bonsai, early in training, still in plastic pots, just setting the tree on the ground is just fine, if the hardiness of the tree is not an issue. For mature bonsai, in fine ceramics, one must have a space that hovers between 0 C to 4 C, or 32 F to 40 F, cool enough to keep the tree dormant, and warm enough that the root ball won't freeze and break an expensive or hard to replace ceramic pot.