SATINIOR 3 Piece Balaclava Face Cover Sun Protection Neck Cover Summer Balaclava for Men Women Outdoor Sports UV Protector

A scarf is definitely your best bet, but maybe it’s about using the right kind. I would consider a cowboy silk scarf/bandana - they’re made for being outdoors in hot weather all day and are a great way to protect your neck from sun and heat. Get a larger scarf which you can tie as a neck scarf, and later on turn into a headscarf if you’d like! Another option would be a UV balaclava - they’re often used by people working in the sun so they should be helpful in the Florida heat too. You could get one that only covers your head, neck or face, or one that does it all and use it as needed.