......"Neck: bandana (3 times in the last 3 months I've loaned my bandana to running partners who ate too close to runs; I refuse to let people rip nice running gear for wiping their bum!)"
If I let them use it, it definitely wouldn't be a "loan", I'm not asking for it back....ever!
I've started running here in NM. I live at 7,000 feet with a bunch of mountains and canyons. Sometimes dropping into a canyon is like stepping into an icebox. Temps can drop 20 degrees in just a few minutes.
As long as I keep moving, I find I can get away with really light clothes in the cold, unless the wind picks up. I do carry a light pack with a windbreaker, extra layers, a lighter, and water. Just in case I break a leg or something.