I normally wear a buff too, and just fold it over a few times and wrap it around my ears, with the rest of it laying on top of my head like a bandana. When it's below freezing though, the top of my head freezes too, so I wear this instead.
It has a waterproof neoprene layer on the outside, and fleece lining on the inside, so everything stays warm. Actually I can't wear it when it's above freezing or else I burn up.