I have a huge laurel oak in my yard here in Florida, that my Dad brought back from Georgia, as just a sapling. That was around 1978. It is probably 25-30 ft. tall, and wide. I think the low spreading limbs you are talking about are on the live oaks. I don't know how long they take to grow, but i don't think that they grow very fast. You see a lot of them in the deep south, around plantations, and parks, with the limbs drooping down, and up, starting fairly low on the trunk, compared to other varieties of oak. You usually see them with moss on the lower limbs. They should be fine in your temperature zone. Not a plant guy, so you might want to call, or email, your local county agricultural agent, or office.
Or you could Google oaks of the deep south, and see what pops up.
Wayne