Another Bread Recipe Question?

Hmmm , I just answered your last question , but this one , I have to question . I make several braided styles of bread , challah and stollen . I always use warm water or milk . You need it to rise quickly so you can punch down and roll out you cylinders to braid with . Then allow to rise again for baking .

No, it won't. In fact, every bread recipe I've ever seen has you dissolving the yeast in lukewarm water, never cold water or cold anything else. But make sure it's not too warm. Too warm, and it can kill the yeast. Too cold, and the yeast won't be warm enough to work very fast.

use warm milk to dissolve the yeast if you use cold water or milk it will not work.

It won't make it tough. It'll make it more moist and more sticky. You may have to add a touch more flour if the banana has gotten far enough along that it's a lil watery inside. I'd also up the spices but a sprinkle each to make up for the extra "dough."