I'll go along with difficulty finding affordable, lightweight scarves for warmer weather. I'm also not very skilled yet at wearing them loosely. I need to look up one of those sites that illustrates 101 ways to wear a scarf.
In the winter, since we heat our home with a wood stove, we can have chilly spots, especially if I forget to throw a log on.

Any scarf feels good about then.
And in our cold climate, if I'm not already wearing a scarf as part of my outfit, I mix and match them with whatever coat I've chosen for that day's weather and, again, warm is good.