I want to get a neoprene face mask to keep my face from falling off on the water this winter. 40 MPH in < 40 degree temps hurts. I'm looking at some on ebay but realize I have never worn one. Are there any key features like a liner or whatever? Hell, I don't know. I'm just a cheap ****** and don't want to waste 14 bucks on something that is a POS.