Everyone is different, and your tolerance for discomfort also comes into play.
I have a Hurricane 5 that I swam in a few days ago. The water temperature was logged by NOAA as being 48 degrees. My hands and feet, along with my face went numb but otherwise I was fine.
Those conditions would have killed my wife. On the other hand I have seen (usually women) at many early summer races were the water temp was about 60 degrees in a standard 2 piece bathing suit act like it was another day at the beach.
In other words, you need to find out for yourself what you need. Most stores that cater to swimmers have neoprene booties and hoods. I would start there, but that won’t help with your face, and that is what will trigger the mammalian response in some (most) people.