how should i prepare my chilies for Melbourne’s winter?

hi guys I'm new at gardening and i have 6 seedlings of habaneros 1 seedling of jalapenos. they are still not very developed as i got them late in the season, i understand that chilies are not fan of the cold and generally need to be overwintered to survive my questions are then:

1. can I overwinter them while they are still young?

2. how should I overwinter them?

3. is putting them undercover means indoors or my outdoor patio is good enough? is it just to protect them from too much rain and the cold and by being undercover they will be cold but not as wet?

4. is it not worth the effort and should i let them die and start earlier next season?

thank you everyone for your help