Depends on your level of ability to tolerate risk! I guess I'd rather gamble on it now rather than in the spring. Here's the thing. IF we have enough decent weather, that is to say, soils stay fairly warm (40s - 50s) and we get enough rain (who needs more rain, you could ask), the clover might germinate in maybe three weeks. Now it's Thanksgiving. The chances of a hard, hard freeze are growing. If the ground freezes solid to a depth of an inch for as little as a day or two, your clover is dead. A little clover root in a block of frozen soil will die of thirst! Does that happen to us here in central Virginia? It might. it might not. Maybe this is the year we get lucky.