GLC1968 - you need two Buffs I wear one doubled up under my helmet as a skullcap or just covering my ears (until it's cold enough to wear a real skullcap) and one around my neck as a neck gaiter. I pull the neck one up over my nose in the beginning and going down hills, and just pull it down again when I start to warm up.

I'm just re-remembering how thin socks and shoe covers are better than thick socks too... but haven't broken out the winter shoes yet.