I've made the rounds with different products and I have several but only use a couple now. I am adding my $.02 worth to hopefully save you some money trying different products, YMMV.
Since you live in OC, my opinion is that you don't need a balaclava. Others may disagree.
My favorite item is the
Schampa fleece face mask. I was adding a skull cap of some sort for the reasons others stated above but my helmet liner comes out and can be washed so I don't bother with that too much anymore. I have found that my helmet hair is actually less chaotic without using a beanie.
I also
really like my
Motley Tube ($8 from lots of places) for just keeping the area between my collar and full face helmet protected and warm. You can pull this up over your nose and/or ears, too.
I have
this thing and I hate it and I also have one that sits below my nose and I hate it equally.
I can tell you that most face masks will pull down some when you don a full face helmet so be prepared to mess with the face mask to re-position it after you put on a helmet. That's one reason I really like the balaclava.
Since I live in Denver, I love my balaclava. I have
this one. It's great and comes in two different sizes.
If you ever have a problem with visor fogging, I can also vouch for the Respro Foggy mask as a solution that works 100%. You just have to be able to tolerate the fit. I wear surgical masks at work a lot so it's no big deal for me.
So, in the Winter, I just rock the balaclava. I have ridden in 16 and 19 degree temps for about an hour with that balaclava and it
absolutely works.
In cooler temps, I either go with the Motley tube or will use the face mask if it's colder; or sometimes both.
In Summer, I
may throw on a
beanie for sweat.
Good luck in your search.