I use Lumos helmet, and there are many others that have the crank type clasp on the back.
I always wear a "do-rag" under any helmet, motorcycle, bike, football, whatever. as I don't like sweat in my eyes and having a crew cut or shaved head it happens.
as stated the chin strap should be loose enough to get a finger between your chin and the strap, so it isn't choking you or rubbing, and I use the crank clasp to tighten until it is uncomfortable, then I back it of a bit.
I think you have a fitment issue, either the wrong size helmet for your head or a misunderstanding of how to fit it properly. good luck with whatever decision you make.