Another newbie question!

Hi all,
I've got some decorative bark to use as mulch (my soil is poor and gets very dried out in summer). Two questions: Is it ok to mulch the garden with it now, or should I wait until spring? And I've read that you shouldn't have mulch touching the woody stems of shrubs/trees as they may rot - is this correct? Thank you!
I've got some decorative bark to use as mulch (my soil is poor and gets very dried out in summer). Two questions: Is it ok to mulch the garden with it now, or should I wait until spring? And I've read that you shouldn't have mulch touching the woody stems of shrubs/trees as they may rot - is this correct? Thank you!

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I was taken aback to hear the owners say that they mulch a foot deep each year! I still can't quite understand how that doesn't cause the crowns of the plants to rot or die off, but there it was, in their own words.
I can only assume they received little rainfall, and the mulch kept the crowns dry or something.
And their mulch must break down to almost nothing or surely a border would become a hill!