If I don't have an aquifer, then what I do is dig an underground cistern, which is really just a room. I generally have two tunnels leading into it -- one for the miners to get in and out of, which is blocked off by a floodgate once they're done in there. The other is the water input source, which I do not block off (any more -- I did when I was still learning, and having a lever-triggerable floodgate there sure doesn't hurt).
The vital, important, imperative thing is that the water input tunnel leading into the cistern must NOT be able to push the water up through the well that's over the cistern.
So, the way you do that is make sure the water goes through a diagonal AFTER the Z-level drop.
############
#.......##<# water falls down a staircase here, from tunnel to brook or river
#.......##.#
X.........## water goes through a diagonal here, so it loses pressure
#.......###
#.......#
#########
In chronological order:
- Dig the cistern, including the tunnel up to the river or brook, but do not dig out the last tile that would cause water to start flowing.
- Remove rocks, ore, gems, whatever you want to salvage.
- Install floodgate on the brook-facing side if you want, and link to a lever. This is a safety measure, and not 100% required, but... you know how it goes.
- Designate a constructed wall just inside where the non-brook-facing-side floodgate will be, and suspend construction of it immediately, so that dwarves will not stand INSIDE the cistern when installing the last floodgate.
- Install the last floodgate. Un-designate the constructed wall that never got built (q x).
- Channel out the last tile of the tunnel leading to the brook or river to let water flow in.
That's it. The water is underground, so it won't freeze. If the brook/river freezes, no new water will flow in during that time, but if the cistern is large enough to last throughout the winter period (which really doesn't have to be very big at all), then you should be fine until it melts and refills the cistern automatically.
It's entirely gravity-fed. There's no pumping, no labor of any kind, no wind/hydro power requirement. If it's set up correctly, there's also no danger....