Scarfs don't have any special effects. They increase body armor with 1 armor point. A player who can't afford a Platinum Amulet could wear a scarf. This item can be bought in Edron by premium players and sold for much higher prices to a Free Account (who is unable to travel to Edron to buy his own). It is also possible to get them at the daily spawn inside a corpse that you can reach by entering the Desert Dungeon and going all the way down and then in the room with the Spiders all the way up.