Here's my face/neck set up. Polar fleece zipped all the way up to cover my neck. Seirus face mask, nose is shaped to fit and open(no nose smash, no fog, easy to breath), plus mouth holes to breath. I also like this facemask because it covers the lower part of my ears. It Velcro's in the back so it's adjustable, and over all pretty comfy. Oh and I've had it for 3 years, paid 10-12 bucks for it, great piece of gear if ya ask me.
That's pretty much my setup. Everything stays toasty warm, no goggle fog ups and no issues with breathability.