Hi Sandra,
For me it’s the fingers and toes only when the water is mid 50’s or below. And usually just my toes because I’m generally fiddling with my camera and keep the digits moving. For the most part I believe it’s because the gloves and booties are not as thick as the wetsuit. Most gloves are 3-5 mil max, and booties 5-7 mil. And even though my feet are kicking, the toes don’t get much movement. Face has never been an issue for me either. My hood covers the sides, and I exhale a lot through my nose/mask. I think that warmer air in the mask helps warm my face.
You might also consider a Semi-dry suit. Some manufacturers have come out with 8 mil semi-dry wetsuits with attached hoods so you don’t get water down the neck. The wrist and ankle seals are much better than in a standard wetsuit. It might just be enough. Just my $ .02
Rich