Honestly...

You caused the fingernail tear.

Roka is being very generous with their partial compensation offer.

Wetsuit materials don't vary that much, and the more flexible the rubber, the more readily it tears. If you really want to be careful, your finger nails should never be touching the outside of the wetsuit while you're putting it on. Just pull on the inside of the suit and when you need to pull on the outside, put your swim cap over your fingers.

I'm surprised wetsuit companies don't include a pair of cheap dishwashing gloves with their suits for try-on purposes, that would entirely prevent this rather frequent situation from occurring.