I'll ride w/o a balaclava in temps down to low 20s(F). I've found that rubbing in a layer of vaseline on eyelids, cheeks, and nose does help (also feet, but that's another post). Nobody notices the shiny gleen, 'cause if they're bothering to look that closely they're probably seeing the frozen snot and spit in my beard instead. Yeah, facial hair (what little I am able to grow) helps, too.