I guess I'm one of those older, tougher riders. I ride an old GS with no fairing or windscreen. If I have a "leather" face it is probably from smoking for 45 years, not biking.
The bugs are no big deal, keep your mouth shut.
The problem is the wind on your chest. a couple of hours at highway speeds and your arms are beat. The solution is to assume the "tuck" position and let the vacuum hold you up. So if you see me on the highway, in a "tuck", going the speed limit, it's not because i am trying to look like my favourite MotoGP rider, it's because my arms are tired. Sorry I'm getting old.
I had a buddy that was a biker, a REAL biker. He looked the part, was full patch and was a pretty mean guy. He was driving across the Oak St. bridge, in Vancouver, , following a dump truck, when a rock ( a big rock, about 3 kilos) that was wedged between the dual wheels of the truck came loose and hit Dave on the forehead (the way Dave told the story; he had a frontal lobotomy done with a rock) and he was knocked out good, fractured skull, trauma to the brain. He was out for about a week, the doctors put him back in a coma for another month, he ended up in the hospital for about 4 months.
When Dave got out of the hospital he was the nicest, most considerate, calm guy I had ever met.
I also met a guy that hit a bath tub that fell out the truck in front of him on the 401... and lived to tell the tale.