I also live in south texas, and here the most I usually need is a pearl izumi headband that has those larger areas that cover my ears. Today I didn't though. I find the most versatile piece for windy days like today is a wind vest. I wore my shebeest wind vest the whole ride today (road from Boerne to Waring to Sisterdale to Waring to Boerne). I started with arm and leg warmers and removed them at the half way point for a ride starting at 9. If its dead of winter and a lot colder (or I am traveling), I have a thin cycling balaclava I got from terry. Under those conditions I'll also add shoe covers, and a goretex jacket. I don't like the skull caps, I have too much hair. Where do you live in south texas?