Are you afraid it will freeze hard before a few weeks go by?

not really. I would not expect any extended below 0c temps until early to mid December.

should i go for it?

I would mow again this weekend and see what you get in the bag. Actually, why are you bagging? But if you have the time, just wait until it really is stopped. The idea is not to force tender new growth to leap out just before a freeze.

I was bagging just to see how much actually got cut. I typically mulch when mowing.

I keep reading different app rates but does 2lbs of urea per 1000feet sound right for winter?

Yes. two lbs of product. 46% of 2 is 0.92 lbs on N, close enough to the recommended 1 lb/k

Fixted.