Get a Yowie. Seriously. They look awesome, function awesomely, and are awesome. You will never have a problem with one.
Sorry, I don't wear bandanas (I wear Yowies), so I can't help you.
This kid knows what's up. I do the exact same thing.
How do they work? They just look like a big face tube....do you just pull it over and have a ton of yowie hanging off your neck or what?
To answer that question, I put my yowie on first, and put it over my nose. Then I put my beanie on and put the back of the yowie under the back of the beanie that way it doesn't slide down. Then I put my goggles on and it goes over the yowie. When I do that, there is going to be some slack that covers your neck, but I don't mind that because it's actually comfortable. I do this on warmer days.
The other way to do it is you fold it in half. To fold it in half you take the top of the yowie, and pull it down inside of the bottom, so it's still a tube but its shorter and 2 layers rather than one. If you don't understand what I'm saying, you'll understand once you actually have a yowie. Once that is done, you do the same thing that I said to do without folding it in half. I do this on colder days.
I don't own an arctic yowie, so I don't know how it works with the fleece part. I hope this might help some.