In theory, April 20th is the last average frost day. However we often have a freeze or two after that. And often about a month of too cool and too damp weather.
I have mid March as my sort the tomato seeds and get the final tomato plan done, then decide whether to start them early or wait to plant out doors. I often just wait and plant the seeds outdoors.
Eventually, we may be forced to optimize our harvest by starting every thing as early as possible. But for now we have sufficient space, and long enough season to just plant seeds outdoors for most stuff.
Being in the same zone as you I usually start them either this weekend or next indoors and them about mid April I look at the 10 day forecast and decide whether to plant outside or no. If I plant I can always use a plastic dropcloth to ward off a late frost. Because I installed a heated greenhouse I started a couple of weeks early this year. I will see how that works and maybe start earlier next year.