A method for forming handwear (5, 25) which is water resistant and breathable, said method comprising: providing a shell, a liner, and an insert; said shell (10, 30, 102) having an interior sized to receive a hand and fingers of a user, said shell having a shell outer surface which is an outer surface of said handwear and a shell inner surface opposite said shell outer surface, wherein said shell includes a shell finger portion to receive said fingers of said user and a hand portion to receive said hand of said user, said liner (112, 212) being formed of a material configured to inhibit a transfer of heat, said liner having a liner outer surface for positioning against said hand of a user and a liner inner surface (114, 240) opposite said liner outer surface, said liner outer surface and said liner inner surface including a liner finger portion sized to register with said shell finger portion and a liner hand portion sized for orientation proximate the hand portion of a user's hand, and said insert that is formed to be water resistant and breathable, said insert having a first surface for orientation towards the shell inner surface and a second surface for orientation towards the liner inner surface, said first surface and said second surface including an insert finger portion sized to register with said shell finger portion and said liner finger portion; applying a first portion of a heat activated adhesive on one of said liner inner surface at said liner finger portion and said second surface of said insert at said insert finger portion and not to said shell inner surface of said liner hand portion and not to said second insert surface of said liner hand portion; applying a second portion of a heat activated adhesive on one of said shell inner surface only at said shell finger portion and said first surface of said insert at said insert finger portion and not to said shell inner surface of said shell hand portion and not to said first insert surface of said liner hand portion; assembling said insert with said liner and said shell so that said second surface of said insert at said insert finger portion is adjacent to said liner inner surface at said liner finger portion and said first surface of said insert at said insert finger portion is adjacent to said shell inner surface at said shell finger portion; and causing said adhesive of said assembled shell, insert, and liner to bond said insert at said insert finger portion to each of said shell finger portion and said liner finger portion. providing a shell, a liner, and an insert; said shell (10, 30, 102) having an interior sized to receive a hand and fingers of a user, said shell having a shell outer surface which is an outer surface of said handwear and a shell inner surface opposite said shell outer surface, wherein said shell includes a shell finger portion to receive said fingers of said user and a hand portion to receive said hand of said user, said liner (112, 212) being formed of a material configured to inhibit a transfer of heat, said liner having a liner outer surface for positioning against said hand of a user and a liner inner surface (114, 240) opposite said liner outer surface, said liner outer surface and said liner inner surface including a liner finger portion sized to register with said shell finger portion and a liner hand portion sized for orientation proximate the hand portion of a user's hand, and said insert that is formed to be water resistant and breathable, said insert having a first surface for orientation towards the shell inner surface and a second surface for orientation towards the liner inner surface, said first surface and said second surface including an insert finger portion sized to register with said shell finger portion and said liner finger portion; applying a first portion of a heat activated adhesive on one of said liner inner surface at said liner finger portion and said second surface of said insert at said insert finger portion and not to said shell inner surface of said liner hand portion and not to said second insert surface of said liner hand portion; applying a second portion of a heat activated adhesive on one of said shell inner surface only at said shell finger portion and said first surface of said insert at said insert finger portion and not to said shell inner surface of said shell hand portion and not to said first insert surface of said liner hand portion; assembling said insert with said liner and said shell so that said second surface of said insert at said insert finger portion is adjacent to said liner inner surface at said liner finger portion and said first surface of said insert at said insert finger portion is adjacent to said shell inner surface at said shell finger portion; and causing said adhesive of said assembled shell, insert, and liner to bond said insert at said insert finger portion to each of said shell finger portion and said liner finger portion.