Last year I discovered a really easy way to make my own neck gaiter...Take that worn out pair of cycling shorts that you never wear any more due to holes or thin fabric and cut off one of the legs at the crotch seam. Wear it around your neck with the crotch part of the leg tucked into your coat. If the riding gets really cold you can even pull the "gaiter" up over your mouth and nose to keep your face warm. Works quite well for me with XL shorts. I guess if you wear small shorts, the leg opening might be too snug to fit over your head though.