bb09, I'm not sure what you mean by thick hair (but I'll go look at your pics--sorry I haven't seen that thread yet), but this is what I call thick:
And when I moisturize, I do it in sections too, except mine are too many to count. I moisturize the same way I condition which is by parting a small section and smoothing moisturizer from base to ends exactly the way relaxer is applied to very narrow sections. Once I moisturize my hair after wash day, I do not need to moisturize it again until after I wash it. I am anal and like to be sure every strand is well coated so there's no way I'd be OK with just a handful of sections.
When I moisturize my hair, I also comb through from base to ends, in those narrow sections.
I just read about your hair breaking in your hands when you apply DC. I'm not sure why that would be happening, unless your hair is just so weak/damaged that it can't bear to be touched. If I wash my hair when not in mini twists or braids, I HAVE to use a comb. I use the comb to part out the narrow section, apply conditioner from base to ends and comb through.
From what you describe, it seems to me like you are babying your hair so much that shed hairs aren't being removed which then makes you panic if you see too may strands coming out when you touch it...when all it may be is just old shed hairs finally coming out.
I know people who never comb their growth which makes them turn into a thick bush that is impenetrable and I don't know if you're doing that. I think you should take the time to part very narrow sections and apply a moisturizer like S Curl (yes, I might be biased but I think this will soften your hair better than a lot of other products--especially if you baggy). If you go through your hair this way, you may lose a lot of hair but don't panic. I think it's just old shed hair. I believe the next time you touch your hair, you won't find yourself losing so much.