Look at it this way: The bio-bugs you need to grow in your filter are highly aerobic; and whatever the bugs in the bottle you bought are, they sure ain't aerobic. And then there's the temperature thing: If the problem with your aerobic bugs is that they have trouble growing in cold water, why do you think your bottled bugs are going to do any better?
I wouldn't add any fish until your water warms to 60 degrees in the spring. Since you're in the Bay Area, if you wait for 70 degrees it might be July or August before you reach it.