have there be some way to allow yourself to survive without your head

[Vitatroll]

But make it so that your draw vision from the location of your head while moving your body separately, just like how camera viewers work.

That'd be interesting. Viewer location is the head but control lies with the body.

Not sure how head/body ownership is though. Might have to do something like shove a brain down the throat of a headless corpse and put a cap on it/sew it up, then SR it. This combined with the horrorhorse/rideable cat would make for a mean dullahan.