I am in the market for a new fleece mid layer. I was about to do what I always do, buy a hoodless full front zip mid layer and carry a beanie with me if needed. But judging from what companies are marketing, it is clear to me that the hooded variety is more popular.

Now this may seem strange, but I have gone my whole life without ever owning, or wearing a hoodie. Not on the trail, not in my regular life, I've just never worn a hoodie. Now I am wondering if I am missing out on something? For all you hoodie lovers, can you tell me what you prefer about the hoodie? Should I pick up a cheap one from from Goodwill to test drive before I pull the trigger on some new gear?

In my mind I see the advantages of a hoodie as...
It keeps the back of your neck warm
It makes it harder to lose your 'hat'

The advantage I see in going non-hoodie is the flexibility of adding and subtracting components based on need.
That and not having something flopping around the back of your neck when the hood is not in use. I have some tactile issues, so I don't think I would like that feeling, but I have never tried it.

Am I missing something here? Is it time I experienced the wonder of hoodies?