I've been using a moisturiser with an spf for years. Think they've always been spf 15.
I'm now wondering if I should be using a separate facial sunscreen instead. 
I've noticed some pigmentation marks around my eyes, I'm guessing it's an age thing (I'm 33) but is there something I can do to prevent any more?
I sort of assumed spf moisturiser was fine and to be honest I am never going to repeatedly apply sunscreen throughout the day unless it is particularly sunny.
What should I be doing? Have I been getting it wrong all this time?