Take a look at the national weather services chart here on temperature versus frostbite times including accounting for the wind chill factor. I'm also wondering how much the weather extremes you are accustomed to factors into this. According to the chart, 10 degrees F is in the 30 minute range for frostbite. 10 degrees F is pretty cold for my area, but I've noticed others live in areas where 10 degrees might be a warm winter day so surely what you are accustomed to plays a part in this. Also, a person’s personal sensitivity to weather extremes probably plays a part in this as well. I’ve noticed, as I’m getting older that I am becoming more sensitive to extremes of both hot and cold.

I saw an example of a separate hood with fur ruff like the one you mentioned in a catalog many years ago, someone may still make something like it, though I wonder how much of a tunnel you would get with it. Also, as others have mentioned, there is the unenviable task of keeping up with it. That said, I've been using a separate hood of sorts I bought from jcpenney many years ago with some success. They no longer make it apparently. It gives an option of using it as a hood, or you can pull it down and use it more like a half-face mask to cover the nose and mouth. Unfortunately there is the problem of condensation and moisture accumulation.

Hope you find something that works.