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Something that I discovered a bit too late in my life is the importance of wearing a hood which helps to keep the insulation chain unbroken. I would rank a hood super high IMO, much higher than a scarf.
Not disagreeing with the importance of a hood, but a scarf too keeps heat from escaping through your neck but also covers the heart which pumps warm blood through your body
Both are important no doubt but it depends on the situation. In my experience if it’s only around 30f you can wear relatively light clothing + a scarf & be warm
In extreme colder temps I would rank a hood very high too