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i have a merino scarf thats good for using with an overcoat and stuff like that, but with my ski jacket i use a fleece neck gaiter and if it's really cold (-15C or below) i'll put a bandana biker style over my face and then tuck the bottom into the gaiter
pic related - toque, sunglasses, bandana tucked into a gaitor (this guys using a shmagh but same diff)