We have more or less the same rules here now which, frankly, I resent. I am not sure about frozen soil regs here but it is not something I would do anyway. The bail out excuse for some guys here is throw some seed down (wrt P).
I am stunned that will all your posts here, experience, and opinions that you have only used straight N (urea?) and Milorganite. There are so many good products available. I am a big fan of MESAs, UFLEXX, PPSCU, and some all-mineral fertilizers in September-October.
Regarding the original topic here, phosphorous fertilizers, over the course of a season I used to set a target ratio of 4:1:2 NPK for the year with good results.