Lee:
Liner or sack — two equally effective ways to protect your gear. Which one to use? I think much depends on your preference — and the design of your pack as well.
For me, I like the convenience of a liner. Simply insert, then I pack as I normally would. Finally, I twist the end tightly and bend it downward (pointing toward the ground) like an upside down U — and keep it in place by cinching the pack tight. If cross streams or canoeing, I may add a rubber band for extra safety. That's it.
I don't use dry sacks for the same reasons why I don't use stuff sacks (except for a small one to house the small misc. stuff). Packing individual sacks (presumably you will want one for your bag, another for your clothes, still another for your food, etc.) takes extra time and effort. As well, having individual 'bundles' makes packing inefficient space wise.
OTOH, the pack you use will likely make a difference. My pack has a front pocket and 2 hip belt pockets. The stuff I will likely need during the day are placed in those pockets — protected by ziploc bags. If your pack is just "one big hole" with no outside pockets, using a liner might be less convenient — although not necessarily a show stopper.
Hope this helps.