Scarves now show on your character. The Stone Scarf and the other Whisper scarves were drawn inside your chest armour, so wearing one changed nothing. A scarf is now two soft wraps of knitted cloth around your neck with a knot and two tails hanging down your chest, with striped ends and a fringe. Each one is dyed in its Whisper's colour and has that Whisper's emblem stitched on the long tail (the Stone Scarf is earthy grey with a little cairn of stones).
Scarves and amulets sit on top of any chest armour, from a linen tunic to tier-8 plate, robes and tabards included. They fit each armour's collar instead of vanishing under it. Under a hood the scarf's wraps tuck under the cowl and only the knot and tails show. Under a great helm they sit just below the rim. A cloak still hangs from your shoulders, just below the scarf.
Amulets no longer disappear under plate. The chain and pendant now rest on top of breastplates and robes.
Backpack and satchel straps now cross over plate armour instead of passing through it.
Other players see all of this, and so do the character select screen, the Gear & Stats paper doll, inspect and dialogue portraits.