Type of helmet is mostly the answer. A full face helmet does the job in all conditions, but can be hot in the summer.
An open face is cooler, and a half helmet cooler still. The problem with the last two is rain.
You can put a flip up visor on the open face, rain can still draft up. The fastest rider I met on Tuesday in the rain, had this set up, plus the beard. A balaclava and goggles can work, but the goggles will fog up when going slow, and the balaclava will get quite wet.
That is what I used, and behind a decent screen was okay, but not as good as a visor in front a couple of inches.
The worst was two girls with half helmets and goggles, but behind screens. Their speed was limited. They did not have beards, but they did have long braided pony tails. Saw several bikes from Alberta. Not sure how they got here.
UK