Hmm...well, I live where you live and don't have the same dry skin problem, so I'll tell you what I use.
I use the Clinique Exfoliating scrub every couple of days, alternating with a Neutrogena Acne Wash redness reducer cream wash, but for my moisturizer I use the generic Kroger Cetaphil lookalike. I like it because in the winter I can slather on a little bit more without worrying about breaking the bank. On days when my skin is really dry, or after skiing, I bust out the Nivea creme.
The Nivea creme, or Eucerin (which is similar but fragrance-free), are both excellent on stubble-irritated faces.