linda,
I usually plant in October. Where I am we are still in the 90s during the day, so I would wait.
When the day temps get in the 70s, plant.

Though technically, the best place for them (other than climate controlled storage) is in the ground.
As you realize, bulbs aren't usually lifted and held out all summer...so it's not really necessary.

I think November is the optimum time here in NC. BUT, I have planted as late as FEBRUARY (sale bulbs or sheer laziness) and had great success. Too early is more of a problem b/c they start to sprout.

I call bull...unless pre-cooled, they won't grow other than rooting out (which they should do anyway) without a winter chill period...assuming they're varieties that require chilling (which encompass most of the fall bulbs..and many daffs and crocus). If that were so, how do you think that a daff or crocus would dare live over the summer in the ground.

Bulbs tolerate being dug up and stored dry, they do not require it given proper growing conditions.

And point of fact, the depth that you should plant daffodils (around six inches), the soil is no longer hot at that point. Even sand is typically cool at that level.

Now crocus on the other hand....shallow planting, but they thrive on hot dry conditions during their dormant period.

The only worry I would have is that early planting gives a longer period for squirrels and such pests to dig them up.