I normally get painful/bleeding cracks on the tips of my fingers and thumbs from October through April (roughly the winter heating season). I also react badly to hand sanitizers as others here have mentioned. This season, I have been massaging a small amount of vitamin E oil into the tips of my fingers at night. During the day, I use CeraVe moisturizing lotion. It is light and soaks in so doesn't leave a greasy or oily residue. I have developed very few skin cracks this season, and they remained small, not too painful, and healed quickly. Murienn - outstanding list. Looks like you speak with the voice of much experience.