What about a mall? What about a mask and some extra layers?
I am (was? it's been almost gone since I lost so much weight) asthmatic and cold air has always been one of my triggers. When we got hit with the first windchill under freezing I bought us balaclava masks ($15 or so at Amazon, https://www.amazon.com/gp/product/B00S0YA5GM/) and they helped immensely, they keep my head and neck very warm and they breathe really well. Plus they can be worn with or without covering the mouth and nose.
I also started experimenting with the clothing. I got thermal pants, these have been great in sub zero with just a windbreaker pant worn over. For the top I stopped wearing my parka and switched to wearing two pairs of long sleeve stay dry shirts over one short sleeve shirt of the same material. I am now even running wearing these, just this morning I was more concerned about the ice patches than I was about being able to breathe when it was so damn cold.
A balaclava can (to some degree) protect you if you have to use someone else's helmet.
There's a cheap one on Amazon that I use for riding in cool weather. Fogs up the visor like nothing else every time I breathe during a rain, but that can be dealt with.
Ya it’s the neck shots that bother me more since I got a new job and I can’t be showing up with marks all over. Been thinking about finding some way to protect my neck but I don’t want to look like an idiot lol. Found this on amazon but not sure what people think https://www.amazon.com/Self-Pro-Balaclava-Protection-Windproof/dp/B00S0YA5GM/ref=mp_s_a_1_9?dchild=1&keywords=heatgear+turtle+neck&qid=1596401538&sr=8-9.
This is what I bought - https://www.amazon.com/gp/product/B00S0YA5GM/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1
But anything that protects your face from the cold would work. Harder to breath wearing it and your breath gets it a little damp from the heat, but it is better than nothing.
I have 7 of these, I wear them everytime I ride. Thin enough to fit under the helmet, never have to worry about bunching.
It is pretty breathable. It’s a cheap one from amazon , but it works pretty well!