Have you seen this guide?
Low-Impact Spray Schedule (2019 Edition).
Even if you do not follow Scott’s low impact spray approach, he has given a lot of valuable info about when to do what.
What fruit trees you are growing besides peach tree? Where are you located? This could help determined pest and disease pressure.
I am not a fan of mulching with fruit tree leaves. In my area, leaves of apples, peaches, plums cherry have diseases to some degrees. I rake them away from my trees as a sanitation practice.
If you want to protect ground around your trees, use mulch or wood chips instead.
A catch all treatment I do for my trees heading into winter is spraying it with mixture of copper hydroxide ( brand name Kocide 3000), dormant oil and a sticker (I use Nufilm17). This is done in Nov when trees lose their leaves. Temp during spray needs to be 40F or above since I have oil in the mix.