Freaking a bit out!😓

Ok so with the wether being cold and all that fun stuff we all get the ransom dry patches. But I'm having some trouble. Down there. It's dry as the Sahara and I don't really know what to do. I also have hard water so that dosent help at all. Any one got any ideas? It's starting to crack and sometimes bleed. I thought I was spotting until I got mirror and had a good long look. I tryed coconut butter and oil didn't do much. I'm just worded what like can and can I not put down there. I don't want to use lotion because I feel like that would do more harm than good.