It depends on how cold it is as to what I wear covering my ears. If it is 35 - 45 F, I find I am comfortable with my PI thermafleece headband; below 35F, I need a neck gator pulled up over my head and ears. For 45F +, I use a regular sweatband. I tried the head cap for 35 to 45, but found I would sweat too much with my head covered completely. The problem with headbands are the size, they usually are one size fits all and I have a small head. For anything above 50, it has to be breezy for me to wear anything under my helmet....