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Wearing a hat part and the logic behind it was proven to be a myth http://news.bbc.co.uk/2/hi/health/7789302.stm
Yes, few days back, I have read that article on BBC.
However, I am not saying that wearing hat on head will completely stop loosing heat. But wearing hat on head will keep warm the skull (head) just like other parts of body (jacket, pants, socks, shoes etc.)