As a xmas gift, someone gave me a Turtle Fur neck warmer.
The intended use is to wear around the neck and you can pull it up over your mouth/nose if needed.
The first day i wore it, I noticed an added bonus effect, I was able to zip my jacket all the way to the top, preventing the air from entering around my neck. Prior, i always stopped short with the zipper on the jacket because it rubbed against my neck and underside of my chin.
My chest/torso stays warmer because of it.
The 2nd most beneficial piece of gear I've gotten. The first being the little reflective straps that also keeps your pant leg out of the chain.