Who seriously wears bandana's?
Ganster's wear bandana's...but even they're smart enough not to tuck them into their clothes. The problem is you need to allow your breath to escape. Look at shaun whites bandana. It stops at the end of his chin. But his neck must still get fucking cold.
Wear something like a NXTZ ...and don't tuck it up under your goggle. Not only does it look gay but it'll prevent your breath from escaping. Not to mention you won't be able to pull it down when you feel like you're suffocating. It'll cause your goggles to fog occasionally as well. Just pull it up to the bottom of your goggle...this way only the tip of your nose will show and you can't even feel that getting cold. When you breath into it, your breath will keep your neck warm. I always see dumb ass kids wearing bandana's and I want to ask them how their slimy snot tastes inside there.