grub vz cutworm?

[ChiliPeppa]

I planted out 10 seedlings on the 24th this Month. Most nights have been in the 40s and getting warmer. So many more to be planted out soon. But one morning one of my plants had been sheared by apparently a cutworm. When I dug up that plant rootball to replace with another seedling I found a grub. I don't have a lot of grubs in my garden but I have found them here and there. Do grubs shear off seedlings in the same way that cutworms do? Do cutworms live under the soil near the plant? I haven't seen any cutworms, just grubs. I put toothpicks around these seedlings to help prevent this happening again and i will do the same in the rest of my planting out. It's really a shock and pain in the rear to find one's precious seedling lying limp and useless on the ground.
A big fat toad found its way into our foyer a few nights ago. My son let it back out and it happily hopped away. if I see it again I'm going to re-home it to my garden.