Is it insulting to give your friend who suffers from raw hands a highly emollient lotion?

No. Any time you want to help someone improve, it is the way you say it and present it, that makes the different. Dont say you have dry hands, so i got you this. Try something like, i learned today that people who wash their hands alot can have very dry hands, more prone to infections, etc. They recommmend using a heavy emollient & i thought we can try this together. I got it to.