LUXURY BOTANICALS - WHAT SHOULD I USE

The surprising thing for me is finding out how many of you just use a moisturizer. Rarely do I hear of someone who uses SPF everyday. Why are we like that when we read over and over what might be better for us? Maybe we're lazy, or we're cheap, or we think the sun won't affect us.   Then one day we wake up and whine over a wrinkle or two that we didn't notice before and realize it's time to jump on board the skin care routine train before it's too late. Then, what!  What's on the market is overwhelming. Where do you start?