Trevor - remember we do this cold weather photography stuff because we enjoy it.
The last time I got frostbite while out shooting was about three years ago (Feb 2015) when Niagara Falls had almost completely frozen over. I figured this was a "once in a lifetime" opportunity as the Falls are a 5-1/2 hour drive from home. We were already in Southern Ontario for other reasons, so the additional 90 minute drive to the Falls was worth while.
I was only out shooting for about 45 minutes. While I thought I was well prepared and was properly dressed, my nose ended up with a large frostbite blister on it. When the blister came off, the large red patch was quite apparent for well over a month and I got all kinds of interesting questions on what that red spot was from...