If you feel any tingling when you go into the shower, then you were underdressed and risk frostbite. I had this experience a long time ago on the toes on my feet if I recall. I just had to learn to dress properly and layer up on my legs and core. For your fingers, try another layer on your chest. Maybe another baselayer compression long sleeve shirt perhaps? My experience so far has been if I keep the core covered and warn, then the extremities will take care of themselves somewhat. So 20-29F for example, means four layers on the chest, two on the legs, two on the head (balaclava and winter cap), two on the feet plus shoe covers and winter gloves for me. Then I never feel too cold on the hands or feet.