a light layer of petroleum-based cream on top of the moisturizer to seal in the moisture.
Have you tried using different soaps? Many soaps leave a film or residue on your skin. Some people can be sensitive to this. .
For years my calves and shins were so dry the skin would flake and fall off, looking a lot like danderuff. I was surprised when my Derm Dr's had me try using petroleum Jelly. I simply HATE the feel of anything greasy on my skin, anywhere. I tried it, and was surprised how well it rubbed in, didn't give me that greasy feel, and after only a few weeks my skin is skin again! No more flakies.
I shall never forget the dermatologist who told me at the time that an ordinary non-allergic moisturizer plus a little Vaseline goes a long way... after all: he was a professional... Best wishes from Kristina