Last Thursday, I went for a ride with a hoodie, jeans, leather gloves, and a fleece headband (ears) at a little under 40 degrees. Surprisingly effective, but while my ears stayed warm, my forehead was sweating. I have tried the wrap-around ear muffs for the back of the neck, but they don't want to stay on. I've also looked at a pair of ear muffs that go over the head, but they didn't fit under my helmet. A beanie would be a sweaty mess. Anyways, I am thinking about building something like this

into my regular helmet. Does anyone with more winter riding experience have any advice on the project?