In reply to PaulMarshall:
i used to suffer exactly the same problem - dry skin, often cracking across the finger tips and just under the nail. Interestingly it was far far worse when i used to kayak and climb - my hands were a mess! I switched from metolius superchalk to moon chalk and it's made a huge difference (and stopped kayaking). I also use climb-on after a session and it helps. Neutrogena seemed too water based and it helped for about an hour but then the skin dried out again.
I now keep on top of my skin - eg use climb on when i need too, take days off to get the skin back etc - and i've been climbing years with no problems.
On the plus side after a while you get used to slight pain in your tips when your skin's bad, so when you wear your tips out in font etc, you're used to climbing through the pain!
Hope the above helps, any specific questions feel free to email me
chris