How cold are we talking? I avoid the scarf, as I have a problem with things in front of my mouth and nose (why I can't wear full face helmets). I suggest definitely NOT boiling water to take running. CamelBack has insulated backpacks that do a pretty good job of keeping water from freezing in the pack and the straw (I know that's the wrong name for that piece).
It is certainly something you can become accustomed to.
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