Being a member of the got no hair club, I just HAVE to wear a hat in the cold. Have used these N-FERNO 6850's and 6870's. It's a hard hat liner with a mouth/nose cover that velcros on if you need it. I have moderate asthma so the mouth cover helps much in brutal cold. They have ear pockets to add hand warmer packs if your not active, only used them once but toasty warm. I wear a $1.00 Walmart beanie over the liner. The liners weigh nothing and I usually carry a spare in case I sweat one up. They're plenty warm, cheap (around 6.50 each, 2.50 for the mouth piece), and easily washed, which covers a few points you brought up.