My skin is flaking like fish scales. How should I moisturize it?

The skin lifts up like fish scales.

From when the cold wind starts blowing like now until summer comes.

I apply oil while my skin is still wet after showering, and then just let it air dry naturally.

I'm letting it air dry because I don't think wiping off the oil would make it any better, but could this actually make it worse?

My shins are the worst part of my body, to the point where people might mistake me for someone who doesn't wash.

There is only one good day: when I go to the public bath and scrub myself clean.

Because back then, it stripped off all the dead skin cells... But I stopped because I was told that it actually makes the skin drier and that I absolutely shouldn't do it.

My skin is so dry that it peels like fish scales. Please recommend a good product to improve this.