No, this is not a bad joke. I live in Savannah, GA and commute to work. Some mornings get pretty cold so I have a dickie that I use from Patagonia. It's fleece and is essentially just a loose turtleneck type collar. When I close the vents on the helmet, I find my head stays plenty warm. The dickie gives the right amount of cold protection without becoming an annoyance. I usually have enough of a space below the chin bar of the helmet to keep it from fogging - as long as I don't cough. Then I'm in a white-out for a few seconds.
I installed the fog city inserts on my schu and arai and they are the greatest, I could not ride far in the cold without fogging or frost forming on the shields now its virtually non-existent. I went with the photo reactive while it does not really darken enough for summer sun its fine for winter and clears enough for nightime without any problems, have a scarf I wear to keep the neck warm and slow updrafts, tried balaclava felt like a mummy.
I bought them from the manufacture here http://www.modernworld.com/ they gave me a deal n the two sets I bought, shipped one free or some such nonsense. You can get them cheaper if you look but not much. that link has all the info also. Don
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