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To me a "dry" top is going to have latex gaskets at the neck and wrists. Effectively waterproof. Same style gaskets a survival suit would have, no water will pass (assuming they are tight enough), even underwater.
A "splash" top will have neoprene gaskets at the wrists and neck, and can and will allow seepage in regards to water getting by but will fend off most of a wave. Definitely not waterproof, but far more water resistant then just a jacket.
Drytops are dry, but they are a wrestling match to get in and out of and if the gaskets are to work properly they need to be tight around the wrists and neck. Too much work for me and uncomfortable for some, I just assume get wet. But if you go this route, you will be dry.
Assuming the manufacturer is describing them properly, they'll function as I listed above.
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