Some people have poor blood circulation. Pointing a small fast fan at their arms will not cool their core.
Some people get dry eyes easily. Pointing a fan at their face will make them extremely uncomfortable.
Some people are extremely sensitive to temperature changes. They don’t want to be hot but pointing a 40 degree F stream of air at their chest will give them physical pain.
No, this isn’t a one size fits all problem/solution. The correct solution is actually to cool the whole car while allowing the user control over how to cool themselves by adjusting the fans/doors. It would be much better however if car manufacturers included better PID controllers as well as moisture sensors inside and outside the cabin to create better climate control. In a car that really shouldn’t be difficult, at least with the windows closed. It’s not like a house with multiple rooms that have different exposure to heating and cooling as well as sunlight.
I don't want to have cold hands, arms, and face, while my back and my feet sweat.