It just got into the thirties in NC. Up until now a bandana folded into a triangle was enough. I have a 30 mile commute early in the mornin', so my wife stitched me up a big 'ol triangle sandwich--one side cut from a windbreaker, the other from a flannel shirt, with a velcro patch at the back. Man is it nice! Not any bulkier than the bandana, but really warm. I usually wear it outside the jacket since my collar keeps my neck covered. That allows me a lot more freedom to rotate my head. I loves my country gal!