The latter eliminates the need for a scarf. In addition, fleece neck warmers can serve as an alternative to scarves. If you find yourself overheating, simply remove your hat to cool back down. Keep your hands covered at all times. Waterproof gloves and mittens lined with synthetics such as Thinsulate insulation are effective insulators.
Mittens keep hands warmer than gloves.
Any exposed skin is a candidate for hypothermia or frostbite, and dryness and warmth are most important. Cold temperatures plus wet clothing are a good recipe for illness.