Whilst some like Java Moss and Fern can allegedly grow in colder waters, (it isn't always warm in the tropics), most do better in more tropical temps.
Java Moss is often sold already and naturally attached to bits of wood over here, which is great for quick starts.
That said, if ever I come across a tub of it, I buy...it's great for settling itself, given time and 'softening' those bare expanses of wood some of us have.
Mine has even decided to attach itself up the side of my filter box;
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The only potential downer to this plant was that it acted as a base for some annoying hair algae, but once I cleaned it off with a bottle brush and addressed the cause of the algae, it soon recovered.