No, it doesn't sound like a fungus, Jeff, since that wouldn't respond to lotions, nor would it come and go. It sounds more like eczema, a skin sensitivity which comes primarily, though not exclusively, in cold weather. See a doctor ofr definitve diagnosis and a prescription for a strong and effective cortisone-based cream. This should help minimize the symptoms and make them go away faster than they do on their own.
Best.
Dr. Rockoff