For years I have endured finger tip and at the corner of the nail cracking all winter long. The lining used in the thinsulate gloves is particular troublesome. Can someone recommend inexpensive liners? I say inexpensive because I would like to have multiple pairs for the half dozen or so gloves I use. I am not sure merino wool will work? Warm yes, but I worry they might still lead to finger cracking. Suggestions?