The quoted "10% heat loss" through the head is only because the rest of your body is (normally) covered. ( your head is roughly 9% of your body, or so I am told) Wear a hat but no gloves, and you’ll still lose massive amount of heat through your exposed hands.(hands are 2% of the body surface) Layers is the answer, right from the outset you need to think layers, first you need a good compression layer (Aldi sell leggings and tops for under a £10 each) a wicking layer, a windproof layer and if necessary a waterproof layer. Good shoes/boot and two thin pairs of socks. If it’s not too cold then wear thin lightweight gloves( boots sell cotton gloves for a couple of pounds and they are cheap enough to throw away if they get ruined) a scarf and a beanie hat, as it get colder then think over gloves, and a thicker scarf and windproof hat. When it gets really cold then wear mittens.
YMMV