One more thought - Aloe is nice but for real winter flakiness you’ll get more mileage from a fragrance-free cream with ceramides and glycerin plus a bit of occlusive like petrolatum or squalane to lock it in. Go for a cream over a lotion to avoid that greasy slip while still sealing moisture and and apply on damp skin like you said. If flakes linger, a low-dose urea or gentle lactic acid a couple nights a week can smooth things out without heaviness.