I'm no help Alpine, but I came on here to post exactly the same question!
I've just remembered that I bought some retinol based cream last year off a website I saw recommended here (I think) and then I was afraid to use the cream as the box was a bit battered and dodgy looking. Mind you the tube of cream itself looked fine but still.
I'm off to root it out and see if it has an expiry date - if its within date I will start using it this weekend.
I'm 55 and my face has aged really well so far but oh my God my neck, whenever I catch sight of myself turning my head its the neck of an old crone.
One thing I do, and I'm lucky as I have a long neck so it looks ok, is I wear high necked tops if I can find them. Next do a nice (sleeveless roll neck) top and I have it in a few different prints, only thing that would make it better is if they did a version with sleeves - the tops of my arms are not for public display any more.
I have a big collection of scarves, the long wide light cotton type that can be wrapped round a couple of times without being too hot, but that's a sort of casual look and doesn't always work for more formal occasions.
I've started growing my hair longer, its been in a bob for years, but I figure more hair will provide better turkey neck coverage.
If I win the lottery I'm having a neck lift.