Slop.

they're like 9 months, at the earliest, to get fruit under ideal conditions. but you want them to push for another 6+ years to get a real return on your planting labor/material investment. so probably more like a decade.

admittedly, the annual/perennial distinction gets weird once you get closer to the tropics with a temperate climate, because what is grown as an annual at higher latitudes (or altitudes) could potentially be grown as a perennial, since there's no frost/freeze die back. usually in those cases you eventually get a disease kill, and/or lots of commercial production cultivars have a limited growth and fruiting window, and then they die (determinate tomatoes).

i know people in central FL who dick around with bananas, but they almost always end up dying way back from a frost/freeze kill before they get a fruiting. i'm sure if you were like on the Keys, or generally far south florida, had a stretch of years of no frosts on kind of an ideal slight slope where cool air didn't pocket or induce an inversion frost, and went with some early/dwarf variety, you could do those bananas. especially if you could baby them a little, like have some temporary cold frame to push the temps up on cold days.

they do bananas big time in cuba, which is not far away from s. florida. it's just the farther you get away from the tropics, the riskier it is.

i also read some bonkers article once in a scientific journal about a 1960s soviet agricultural project one time where they were growing oranges in the black sea region by doing this earthworks system with trained/dwarf varieties in like sloped channels to take advantage of thermal mass. it apparently worked, but eventually the USSR established some trade relationship to get their citrus from a tropical ally and the emphasis to continue went away.

the point being, you can pretty much do anything anywhere if you have the will, the water and the energy. it only becomes clever if you can find a way to do it with one big energy investment up front (like earthworks) instead of being reliant on constant energy input to keep it going, unless the energy is truly renewable and doesn't require complex engineering or materials for maintenance.