I live in a temperate country.
Because our season for growing tropical/sub-tropical plants is so short, we have to get ahead.
This means that our tomatoes have to be sown indoors, protected from the cold.
We either sow seeds (my choice, as I choose when and in what they're sown, and have a far greater choice of varieties) or we delegate that to others and buy in plants, which is a good option for people otherwise too busy.
These photo's show some of my starts, but my "Mortgage Lifter", "Black Cherry", "Maskotka" and "Stupice" have already been potted on.
I expect to lose approx. 5-10% through clumsiness.
From the left, Black Enorma aubergines (eggplants/brinjal), Harbinger tomatoes and San Marzano tomatoes.
They are not wilting, they have been "pulled" towards the light, and I turn them every day.
Below are San Marzano seedlings.
The pack had 300 seeds in it! so I was concerned about germination rates.
I sowed about 100 seeds and have about 100 seedlings!
The surplus won't go to waste; there are folk on the allotments who'll use them.
I use, and swear by, these:
http://www.garden4less.co.uk/stewart_essential_52cm_large_propagator.asp
As you can see, we have snow!