Mayo is just condensation. ALL cars do it. Hot crank case air and oil vapours rise to the coldest part of the engine and emulsify.
It happens on mine and I do 60 miles a day. The summer months will get rid of it as engine warm up is a lot faster.
Head gasket failure is extremely rare on engines with MLS head gaskets, which have been standard fitment for nearly 20 years now. So don't worry about that either.
Do worry about the oil pickup though. Get it done asap! And do the thermostat. Your engine is running too cold, exacerbating the problem..