Forgot to mention that for my head, I wear just the earband (Pearl Izumi) if the temperature is right around freezing. For colder weather, I add a polypropylene balaclava and cover my helmet with a Lycra cover to cut down on the airflow. If it is well below freezing, I will wear the balaclava, a "skullcap" over that, and the earband, as well as the helmet cover. I also have a neoprene face mask to keep my nose from freezing, but so far I haven't figured out how to keep my sunglasses from fogging over when I use it, so I've only tried it a couple of times.
Anyone have suggestions for keeping the nose warm without fogging glasses?