I have 3 of my cervical vertibrae fused and I get a little neck workout going into the wind and with crosswinds with a half helmet and never notice neck pain with a full helmet. The headset makes very little difference as it only weighs a few ounces.
As far as getting too hot goes I notice it gets a little hot in slow traffic and at lights when it gets into the 90's. I guess I'm just used to it; 20 plus years in the AF following rules to the T and being required to wear a helmet on/off base gives time to adapt.
You can get communication systems with ear buds or wrap around headsets for riding sans helmet. The bonus is that most good systems allow phone, rider to rider communication, bluetooth or wired MP3, and bluetooth or wired GPS connection.
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Retired USAF, IYAAYAS!
2008 V-Star 1100 Custom Bobber project
2011 Crimson XR with Forged Highway Bars / Hard Bags / Passenger Backrest, Ness parts including Smooth Layback Plate Frame/Mount / Rad 3 Mirror / deep cut grips / drivers floorboards /shifter peg / brake peg / passenger pegs. Witchdoctor black rack, Lloydz filter / timing wheel / VFC III, 7Jurock windshield, Drag Specialties seat.