I use finishline all the time. The wet lube attracts more dirt, but doesn't wash off. The dry lube goes on wet, then dries, so it doesn't attract as much dirt. But will wash off, in rain or puddles. The spray is easiest, but you have a lot of waste in overspray. If you ride in all types of weather, the wet would stay on better. Or you just need to reapply dry after every ride. You can try the krytech or any self-cleaning type of lube. Some riders swear by it, I haven't had much experience with it.
Since I'm a fair-weather rider I use the dry. And mountain biking through creeks and slop, just means you clean your chain and gears after your rides.
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