I spent years using only water, and occasionally the standard oil of olay mosituriser. Never wore make up either.
Then I got to my mid-thirties and realised I looked shit and couldn't rely on my youth anymore. I have oily congested skin and used to carry a hanky around in my pocket to wipe my face throughout the day ( yuk ). I also have a lot of broken capilleries, so make up makes me look less scarey.
Now I have a routine, and really take care of my skin, I look and feel a lot better. Those of you who only use water and still look great, you're lucky. A lot of it is down to genes.
With my oily skin full of blackheads and spots, it's really just a question of cleanse, cleanse and cleanse again - hence, I cleanse the make up off, I cleanse my make up free face, and then I use toner to get rid of any trace of cream cleanser.
I do think eye cream is probably a load of bollocks though.