Streak if it gets to the stage we need a neck warmer, we have one each.....quiet expensive but have a thermostat to adjust the temperature.....made by a mob called Toyota
But if we do venture out, we use if needed, the DriRider polar fleece ones at about $20 ea.......but if you where serious about them ?? Same as thermals, go for Merino for all the same reasons Merino thermals are the pick......there is a company at Forbes NSW who make them, about $30 each.