Ok, so I fixed the no ground shadow issue. I created a duplicate of the face and hair, but turned off rendering but kept cast shadow on. The result is a mesh that isnt seen at all in FP or TP or reflections, but does cast a shadow on the ground. Combine that with the Owner No See set up in my previous reply, its all working great.
Unfortunately still have the issue of when I first start the game, the head is bald, and requires a camera switch to show the hair. Once the hair is showing, the set up is perfect for what I am after. Just got this last issue to fix. Pictures below:
