Third cheer for Buffs! If it's just cold, I wear it like a traditional headband - back of neck up to top of head. But, if it's REALLY chilly, I wear it under my chin and then up, so front of neck up to top of head. This lets me tuck my chin in, or even wear it up over my mouth to warm my breath. I like that either way, I can easily slip it down as a neck gaiter in just a second if I get too hot. Plus, for some reason, my hair doesn't look as nasty afterwards when I wear the buff -- less helmet-hair.