We're experiencing our coldest weather of the year right now. I've ridden a couple times with the temp in the lower 30's but today I took off into a 15 MPH headwind and the temp was 24 degrees. I wear a lycra head covering, but it does not cover my entire face. My nose felt like it was frozen solid by the time I got back, but everything else was good. What do you wear to keep your face warm?