Why are my fingers so sensitive to my wedding band?

I got married last August, so I’ve been wearing my wedding band (white gold) for less than a year. Once Winter hits, I get very dry skin, especially on my hands. So, since December, everytime I try to wear it I develop a rash underneath. Then I have to leave it off for a few days and apply lotion on it often until it heals. I’m pretty sure I’m not allergic to any type of metal. It’s most likely due to dry skin (since this only started in the Winter).

Do you or anyone you know have a similar problem? Why does this happen? What can I do to prevent it? What is a good lotion for dry hands?