It is something between a turtleneck and a scarf. The feeling is wonderful, the cotton fluff is super soft. The only problem is when you have long hair, wearing it will mess up your hair a bit. Besides that, it is very good for warming the neck without suffocating. It can also go up to your nose to cover your ears, but there the plastic clasp that tightens the cord becomes a bit annoying on the nose, especially if you wear glasses. Of course, one could turn it upside down (180 degrees) so that the clasp is at the back.
As for the bottom part, if the top has a wide neckline, it will not cover you completely, but that is perfectly logical.
All in all, for its price, it is a worthy accessory, great value for money!