My mother's skin aged prematurely and she had lots of broken veins. She dinned into me the importance of looking after it, especially if you spend a lot of time in the fresh air, so I started using Oil of Ulay (as it then was!) at about 16-17.
In my 20s, my skin started to feel a bit dry, so I started using heavier moisturisers and when moisturisers with SPF became readily available (in my early 30s0, I switched to those. I've never toned, but have always cleansed and when the only cleansers available were creams or lotions, I used to rinse the residue off with warm water. Started eye cream in my late 40s, when the crow's feet started to appear and and started using serum before moisturiser in my 50s, when moisturiser alone didn't seem to combat the dryness.
At 35, people thought I was ten years younger. At 63, most people think in my mid-40s. I smoke a bit, drink a bit and still spend a lot of time in the fresh air. I don't drink much water (every time I have a drink of water, I need a wee within 15 minutes, which isn't practical when working in the community in a rural area), and don't think I'm blessed with good genes as none of the rest of my family looked young for their age.
I don't go mad on cleansing or exfoliating though. Hot cloth cleansers/flannels give me zit, anything with the word "glycolic" in it stings and cleansers with grains in make my skin really dry.
I started to get enlarged pores a few years ago, and thought they were clogged, so went a bit mad with cleansing. Then a beauty therapist friend explained that it was because my skin was dry, so I started to moisturise more and use a night cream, and they've improved no end. I use a primer simply because it stops my make-up soaking in to my pores.
My regime is: - wash face with Simple anti-aging cleanser, eye cream, serum (Superdrug's own brand) and SPF 30 moisturiser , then tinted BB or foundation with sunscreen. At night, remove make up with wipes and then finish with micellar water or a wash-off cleanser, eye cream, night cream.
I sometimes treat myself to Clarins or Clinique, but mostly it's the Superdrug stuff or Revitalift bought when it's on offer in the supermarkets. The massive price difference doesn't im[porove results imo, although when I tried the Lidl moisturiser it brought me out in spots.
TL;DR: it's not a total con but complex regimes and top-end ranges are overrated.