Mulching over bulbs and perennials

I have several beds with roses, bulbs and perennials around my yard.
This year, in an effort to reduce the need for weeding and watering, I
am thinking of mulching these beds to a depth of 3-4 inches with
shredded hardwood mulch.  But I started wondering if that might prevent
the perennials and bulbs from coming up.  

Also, I have heard advice to remove mulch in the fall, and to just pull
it back from plants until the ground freezes (which I don't think it
ever did this year!) and then put it back.

Any input is appreciated.

Greg in Chalfont, PA (zone 6/7)
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