The whitish stuff is calcium carbonate. Calcium carbonate is the only mineral that will precipitate out at the temperature that you describe.
There is nothing in the information that you have presented that will cause dry skin.
"Most of us experience dry and itchy skin from time to time, but you should seek medical attention if discomfort becomes severe," says Dr. Lauren Sternberg, a dermatologist at NewYork-Presbyterian Hospital/Weill Cornell Medical Center. "The best thing you can do to relieve the itch is to moisturize your skin because, unfortunately, you can't do anything about the weather."
"Remember, dry skin is due to lack of water. Apply moisturizers immediately after bathing or showering, while your skin is still wet to trap water in the skin," notes Dr. Sternberg.
She suggests the following tips to turn your skin from alligator into suede:
-- Moisturize daily. Cream moisturizers are better than lotions for normal to dry skin. People with sensitive skin should choose a moisturizer without fragrance or lanolin.
-- Cleanse your skin, but don't overdo it. It is enough to wash your face, hands, feet, and between the folds of your skin once a day. The trunk, arms, and legs can be rinsed daily, but it is not necessary to use soap or cleanser on these areas every day. Too much cleansing removes the skin's natural moisturizers.
-- Limit the use of hot water and soap. If you have "winter itch," take short lukewarm showers or baths with a non-irritating, non-detergent-based cleanser. Immediately afterward, apply a "water-in-oil" -- type moisturizer. Gently pat skin dry.