You can also plant inside using moveobjects on, but yes, you do have to deal with long watering times/puddles if you plant indoors. The only way to circumvent this is through certain Premium Content items from the Store (the SwiftGro Greenhouse object waters every plant planted under it, and the Green Dragon that came with Dragon Valley automatically waters and harvests plants when you command it to).
If you have World Adventures, you can also get a vacation home and plant outside there without worrying about weather and seasons.