Teds sells some pretty good combo fingerless gloves made of fleece over the back of the hand and neoprene over the palm for both warmth and sensitivity. They also have velcro at the wrist so you can tighten them down. Pretty warm, sensitive, and not bulky.

I use a Pentax Zoom 90 WR when I take a camera with me. Not too fancy, but it's very water resistent. Drop it in and it floats, just run like hell downstream, pick it out, wipe it off, and its ready to go.