Just to add: another way for a headgasket to fail is for it leak exhaust gases into the coolant channels, I had pug 106d once and it stopped warming up, the water would mix with the exhaust pipe and the pressure building up in the coolant resevoir was exhaust gases. So they can fail in different ways, I think if you get mayo (mayonaise in your oil filler cap), that emulsifiying that then you have some time to plan your repair.
A good way of visualising it is, the headgasket seals not only the top half of the engine to the bottom (which are not mechanically connected except for the beltor chain), but it also seals the holes in between where there are oil channels, water channels, air channels, and exhaust channels. A gasket can fail and any combination of these channels can fail and give differnt symptoms.
Best way forward is to do a compression test. But I know yours isn't this issue.