Here in Michigan I get bad cracks and splits on my fingertips in the winter.. My INSTANT solution is Nexcare First Aid Tape. It's much cheaper at Meijer department store. (a Michigan only chain??) It's almost double price at CVS. (6 bucks or so)

I cut this tape in narrow strips about 1/4 inch by 2 or 2.5 inches long and stretch it over the split. When I then use your fingers I don't get the pain from pressure opening the split more as the tape holds it together. This waterproof elastic tape has a way of moisturizing the split when left on overnight. Nicely healed in the AM. I hate greasing my hands up with stuff and so far haven't had much luck even with a prescription product called Ammonium Lactate.

But I'll try that Lowes stuff at night. ... Aaron