In her youth, my mother spent a lot of time working outdoors, and generally doing outdoorsy things. Her skin was quite damaged - broken veins, lines, very dry - and she dinned into me the importance of looking after my skin if I didn't want to look old before my time. We both have hypothyroidism, which makes skin dry.
I was using Oil of Ulay at 16, then switched to more heavy-duty moisturisers and then to those with sunscreen when they came out. I started using an eye cream when I got the beginnings of lines when I was in my early 30s, and use a serum, but not obsessively.
At 36, I looked 10 years younger (my age was subject of some debate in the office, apparently). People generally think I'm in my mid-40's now; I'll be 63 next month. And I'm a smoker, and I drink moderately.
It's entirely possible that none of the money I've spent on skincare has made any difference, but I'll never know. I'm not going to stop, in case I suddenly age 20 years. 
I'm not convinced that top-end stuff is really much better than basic ranges though. I had a Clarins addiction, but weaned myself off as part of an economy drive when I went part-time 3 years ago. I now mostly use L'Oreal Revitalift and I haven't noticed it being any worse. However, when a thread on here was full of praise for Lidl's "gold" moisturiser, I bought a pot and it gave me dreadful spots!
I take my make-up off with a wipe, then use a micellar water or a cream cleanser that rinses off, and just use a mild facial wash in the morning. I don't bother with a toner. After people raving about hot cloth cleansers, I tried a few from time to time, but they all brought me out in spots, too. I use Bio-Oil (originally bought for post-op scarring) on any age spots, and that really does work.