My hands dry and crack in the winter months too, especially when I'm working outdoors more and/or involved in outdoor activities. For that reason, a folding knife with a solid lock and good retention is high on my list, too.
The knife that comes to mind for me is the Benchmade Adamas. I don't own one but have handled one several times. You mentioned your 940's lock has worked; though the Adamas has a beefier spring, I don't think its resistance will be excessive. The forefinger guard is also more pronounced than many other folders, which is a feature I value in hard-use, hurt-hand, winter-weather folding knives. The two biggest negatives for me are the Adamas' handle thickness and price. The handle is comfortable to hold and use but not super-comfy in my pants pocket. The near-$200 price tag is also rather steep for me right now, too. Those two characteristics are entirely subjective though.
Along the same lines, Cold Steel's Voyager and Recon 1 lines have many desirable features. In the large size, both lines have handles with sufficient length to accommodate gloves and cold, stiff, swollen hands. They also have decent forefinger guards, adding to their cold-weather safety. And of course, the Tri-Ad lock is perhaps the strongest available. The downsides to these two knife lines are the Voyagers' in-pocket thickness and both lines' relative stiffness when opening. On the plus side, the Voyager larges cost nearly one fourth of an Adamas, and the Recon 1 regular edition costs half.
I'm looking forward to reading other responses, because this is a type of folding knife I'm also interested in.