its all down to personal choice and wether you are concerned about getting shot in those areas, i personally rarely wear a propper neck protector, a bandana does enough to take the sting out of most hits. head wear i usually go for a head band of some sort or other although some of these peaked beanies that are around at the mo look the business.....more for getting bounces off the peak than head protection tho, ive been shot in the noggin loads of times and it never really bothers me anymore than any other hit (till the bruise comes up the day after). back of the neck smarts a bit, backwards cap helps there if that one concerns you.
the adrenaline buzz takes the pain out of it for me, but i would encorage new players to wear something a bit more 'sencible' so as to avoid them being scared off playing due to a couple of head shots.