Wet fleece insulates, a whole lot better than bare wet skin but,Wet wool is still the best for heat generating/retention,as far as Wet fabric is concerned!Drying is a trade off of sorts-Would you rather be Warm & wet or Dry & cold? Start up that campfire to dry up/warm up a bit,I'll take the wool!Merino,Cashmere,Alpaca in that order if I have a choice! For fleece I would choose Patagonia capilene or Medalist micro as,I have some & they perform well,also!All of the above are, Money well spent,IMO! I have no affiliation with the above mentioned brands,chingaderas,etc.