When you apply moisturizer to your face in the morning, immediately apply some to the hands. That keeps them supple and helps resist chapping. I'd say twice a day is a must. In addition, do it after each washing. Use some type of topical emollient every time you wash your hands and at bedtime.
Lotions are the least moisturizing, followed by creams and then ointments.
Try a lotion first. If that's not enough to carry you through the winter, step up to a cream, then an ointment. Don't throw in the towel. Hot-air blowers have been associated with chapped hands. If you must use one, keep your hands at least 6 inches from the nozzle and dry them thoroughly.