Nalani, I'm a garden fanatic so I heed all warnings and precautions and later figure out what works, what doesn't, and change my habits accordingly. People will say to put blood-meal or bone-meal in the hole when you plant them but I've found that that doesn't make a whole lot of difference with my soil. Same deal with pepper to deter the squirrels. It just washes away after the first rain.
The water run-off thing was something I learned the hard way. I planted 25 red tulips along the border of my front walk and none of them came back the next year. The non-reds came back so the only thing I could attribute it to was the rot.
Some bulbs can be really forgiving though so the whole throw-them-in-the-ground-and-forget-about-them can work too! It's certainly easier for the non-gardening or don't-have-time crowd.
Nixy, the bulbs themselves never really die, they just hibernate. They actively grow roots during warmer weather so most people plant them early in fall to try to avoid them rotting out before hibernation. It gives them enough time to grow the roots to store nutrients for the winter and allow them the strength to grow leaves come spring. The long cold period is required to get a good bloom. You can plant them in spring, but chances are that if they bloom at all, they aren't going to be 100% as if they had a winter of cool temps and established roots.
Then again, I know people who buy bulbs after the buying frenzy is over in fall when they're on sale, plant them in pots, and put them in their refrigerator in December. Whenever they feel like it, they take it out of the fridge to "force" the bulbs to bloom. The bulbs think it's spring because the temps are warmer than the fridge and they bloom. But the longer a cold period you give them, the better they look.
A few years ago, we had a warm winter and the tulips were a full 5 inches shorter than the year before. They also lasted a week less than they did the year before. It was a difference that I saw but most people might not notice.
You're making my need for spring kick into high gear. Must. Buy. Flowers!