I couldn't find a scarf I liked - so I just made one and decided to share with the VRC community. I'm brand new to creating meshes and textures (this is my first one..), so let me know if there's room for improvement.
It should come with dynamic bones already, but if not place on the 2nd bone in the hierarchy. Attach to your chest in Unity.
You can edit the hue of the scarf in unity or throw another texture on it. Another plaid one would probably work fine.