This cap has probably saved me a thousand times. I keep it in my pfd year around and when I start to get cold or the wind picks up I am set. It increases my warmth and keeps my ears warm so I don't get that wicked surfers ear. Best 20 bucks I have ever spent.
The IR Thermo Cap Helmet Liner is a super thin liner with a brushed neoprene to help manage moisture. If you stretch the Thermo Cap over your ears it works great for keeping your ears from direct impact of cold water. The DWR finish sheds water quickly. Low profile design fits right above ears. Meant to be worn under your helmet.