I'm an ordinary-looking young 62 year old

and last year decided to stop using moisturiser containing spf during our UK winter. The only exception is if I'm planning to spend the whole day outside, in which case I use an spf30 moisturiser. During the summer I use Olay with spf30 most days or an aussie brand with spf50 if I'm going to be outside for any length of time.
I've just moved away from Olay as I didn't like their only moisturiser that I could find without spf and have started to use MooGoo Ultra hydrating Face Cream. I like the simplicity of their ingredients and have seen how effective their kids products are as my Australian daughter-in-law uses them on my grandchildren. In the summer I'll use Olay again for the spf30 when I need it.
I decided that I didnt want to continue to use all of the chemicals in the spf cream on a daily basis when, lets face it, most of my time is spent indoors in a UK winter! I'm going to 'mix n match' and only use it when I'm going to be outdoors.
I spend several months a year in Queensland, over there I don't set foot out of the house without moisturiser with spf50 and re-apply several times a day!
Suzie