Polar (Thermal) buff is great for riding in the winter. Lots of options--balacava, neck gaiter, various layered hat. I like to style mine like a santa hat--fleece end over my noggin and make a knot in the fabric end, flaps happily in the wind behind me.

The regular, microfiber version will get many more takers, though. Maybe if there's enuf cold weather gals, we can do a polar one later on. It would work for snow sports and other outdoor activities for those of us who live in colder climates.