Dry Nipples and Cream

I am very bad at doing all these girly things like putting lotion on after a shower -- or ever. When I'm pregnant I make a bigger effort with my cocoa butter lotion in order to prevent stretch marks. I know, I know, there's no guarantee-- but I didn't get stretch marks last time. Of course, last time I didn't get nearly as big as I am this time. To give you an idea of how little I use ceram, I've had the same bottle of Palmers since we got married and now we're on our second kid. Do the math yourself. I bought another bottle when I was pregnant last time but it's still sitting new in my cupboard. And I don't only use it during pregnancy. I used it on my face in the winter when the heaters and the breastfeeding were making me so dry that I felt like my face was cracking off.
Back to my nipples. The point is, they're dry and cracked. I don't think it's thrush but I don't want to take the chance. But I also don't feel like putting lotion on. Truth is, I just plain forget all about it. Who thinks about dry nipples until they take their shirt off. And if I'm taking my shirt off, I'm probably on my way to bed and I don't have the energy for nipple rubbing, or else it's morning and I have better things to do, like chase after my DS to get him dressed for kindergarten. I guess we'll just have to wait and see if this clears itself up like it did last time. Actually, maybe I was a little more diligent about it last time. I recall using baby oil or something. Or was that on my itchy scalp?