Along as the foliage is green, it is still capable of photosynthesis, and we want every bit of that energy to go into the roots and bulbs. Try to pry the roots apart, but if it is a mat, just slice it apart. You will lose a few bulbs, but it is better for the clumps not to be too crowded. My husband and I are moving into our first new home in late October. But plant the shrubs first, and as soon as possible, as their roots need to spread out before the frost.
Tulips can wait the longest.
It's the obsessive new gardener here, with a couple of questions about the pending change in seasons. I have a super sunny alcove in my apartment that gets serious morning sun. Cut them back if they get too leggy during the winter. There are some tough evergreens you can leave on the deck, but they need to be in very large containers so their roots do not get frozen. Go to your favorite garden centers and check out what they have.