Yup, me: Joyce aka Swimming Jewel, etc, etc.
I wait until early spring to divide my lotus, before they start growing.
Can you insulate the pots with haybales, bagged lawn leaves and such?
I overwintered so many tropicals last year by mounding bagged lawn leaves over them, even my elephant ears made it. I would throw a tarp (or plywood) over the pots, and then cover and surround the pots with haybales, bagged lawn leaves, etc, until they are under a small mountain of insulation.
Lotus are pretty hardy!