The only reason to wear a scarf is to cover your face, but then it just blankets your face in exhaled moisture, like you’re some kind of masochistic ice dragon or mutant from a gum commercial. No good.
I never wore one growing up in the Midwest with the idea that I could simply zip up whatever jacket I was wearing if the wind got cold enough. I didn’t know a lot of people who did wear them, and most I saw were wool (my skin doesn’t like wool, even merino), so they were never a very attractive proposition.
At some point in my mid-20s, I saw a deal online for some plain grey fleece scarves from Old Navy, so I figured I’d give them a shot. I’m not going to say they were life-changing, but they sure kept my neck a lot warmer than any jacket I’d ever worn, especially nicer ones like wool car coats/peacoats that can’t be fully enclosed around the neck.
Since then, I’ve realized a nice scarf can be both warm and fashionable, so I now have several that I use with various jackets/outfits. I’ve gotten many compliments on them. I have a full beard (trimmed a bit below the jawline, no neckbeard here), and I can say the scarf combo is far better than just the beard.
Typically when I go to somewhere other than where I live (central Alabama) because it’s just too damn hot here most of the time. A nice scarf tucked into a leather jacket or a peacoat etc. is practical and looks good, and makes you look more like a local if you are in Europe…