I just bought one of these, and it's GREAT. Fleece neck gaitor with attached sleeve of microfiber material. Man it's WARM and versitile. If you haven't seen them, or used one, ask your local retailer to get them in. Looked hokey at first in the store, decided to drop the cash on one and I was a believer.

http://www.buff.es/en/ficha.php?id=3