We garden for market and there's little profit if we have to buy set plants. We grow everything on tables in front of windows on the south facing side of the house. Yes, it over takes the house for a few weeks, but it is our surest sign of spring. LOL
No, it is not too late. This is the proper time to start for our growing season, which is comparable to yours. I use all re-cycled plastic pots that guy at the garbage transfer station picks for me. I re-cycle all the small cells, the small pots, the medium pots, the large pots.
I make the potting soil as well. It's just bark and poop and rotted straw and rotted leaves and our own soil all composted together. My wife got weary of my suspending the shop lights from her curtain rods, so this year I made pvc "goal posts" to hand the shop lights from.