I'm having the exact same problem and it's been going on for 11 months! And I DID see a doctor and they told me to keep using the OTC cream.

I feel stupid going again so I just keep using it. Some days it's worse than others, but seems to have almost NO correlation to the frequency/volume of the cream.
I had some mild improvement from putting Neosporin on the cracked parts, and it got generally better when I was able to switch to summer shoes (which was about a week ago, with the way Minnesota's winter was going).