I use fingerless fleece Glacier Gloves with the flip-mitt feature that lets you wear the gloves as mittens when you need the extra warmth. They also have neoprene palms for grip. Very nice setup. Silver Hilton is exactly right: both synthetic fleece and real wool maintain some insulating ability even when they get wet. The advantages to fleece are that they absorb less water and dry more quickly than wool. For me, painfully cold fingers and hands take some of the fun out of winter steelheading, so I usually carry a spare pair of gloves in the back pocket of my vest in case pair #1 take a swim.