Balaclavas are too hot for me for most winter riding, it's got to get to freezing or below before I pull one on. I'm good with a headband into the 40's, & a cap (beanie, skull cap) in the 30's. And I'm fair-skinned as well, so any exposed skin gets raw quickly. You need a thicker cream to apply to the exposed areas. I like Eucerin for this, I just slather it on whatever is exposed before heading out the door--face, nose, even my legs if I'm wearing knickers or knee warmers & there is a bitter wind blowing. It is very thick so I don't rub it in, just kind of pat it on. It comes in a big tub, lasts a long time & works great.
Otherwise, there are some sunscreens that protect from wind burn as well, skiers use them. A good ski place should probably be able to recommend something.



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