the liner has a trigger finger--so thumb and index fingers are independent and the others are mitten style...REALLY helps with dexterity. as for warmth that depends what youre using them for-- i bought these for mountaineering and my hands were hot in -5 F w/60mph winds, however, i had an elevated heart rate...when i use them for AT i usually just use the shells on the way up and add the liners for the ski down. i used them at a resort on a 10 degree day and i was fine... i originally purchased them because i couldnt afford the OR Alti Mitt (the god of mittens) and i would never switch! As for quality, not only have i had mine for two years (and through a few dozen summits), my pitbull puppy thought they would make a great chew toy...obviously i dont know how long he had it, but id guess a good 20-30 minutes and the only damage was to the drawstring..no punctures to the leather, etc. Also, when i purchased these they did not have a womens version, and i know my hands tend to get colder than the guys--so its probably a safe bet that they would even have a better temp rating for you! hope that helps...