Soft Water VS. Hard Water

Does anyone have an opinion about soft water VS. hard water? and why? I know this is really random but I have really dry skin and it sort of drives me crazy. It seems like no moisturizer in the world helps me either. Trust me I have tried a million of them. So I'm thinking the problem could be the water I'm shower/bathing in/washing my face with. I've been reading up on how soft water really makes a difference for the good in your skin and hair, and your soap lathers better and you will save money in the long run on soap/laundry detergent blah blah blah. But I'm really curious if anyone has noticed a difference between the two?