Boy am I glad I covered my tender little plants last night. We did indeed have a freeze. In my community garden plot we covered 24 little plants with large, plastic party cups. When I went to remove them this morning, I surveyed the few other plots which had already been planted by other gardeners. It's sad to report that those plants were badly frost damaged and I don't think they'll make it.
My tomatoes and peppers and basil are all fine. Those little plastic cups did the trick. I'll have to cover them again this evening - there may be another frost.
I guess I have an advantage in living so close to the community gardens. They're literally a three minute walk away, so I don't have to hop in the car and drive anywhere. It's easy to pop over there to water, or cover things against a frost.