Honey, I felt the same as you, for years I used all sorts of brands, and they just never felt that were right. Last year I was a bit short of cash so changed back to a cheaper brand (Eucerin) and I could see and feel the difference within a few days.
I pay out as I haven't yet found a cheaper version that is similar in any way. Lots of folk claim that there are dupes, but I don't think they are personally.
I don't think that the spf version will make it sticky. I have just checked and none of mine have spf in, but I do use the translucent sun cream, I don't live in the UK, but in hot country so I do need the factor 50.
Why don't you go into a store, and ask for samples again. For your age, they will probably recommend extra firming I think. Or get the sample of hydraquench again, then you will have more time to see if you think its worth splashing out on. We don't use Hydraquench in the summer, only winter when skin so much more dry. I thought it was for more dehydrated skin, but if its what the consultant recommended, it might be what you need this time.
Is 36 pounds cheaper buying online than if you go into the store? Because if I convert, its the same price here at normal price. I prefer to go into the store and chat with the consultant, not only as then you really do score on samples (and I get those big ones 15ml tubes), but I find that they do give out good advice. My consultant I sure was getting so fed up with me as I couldn't find a good colour match for my foundation, I went back about 3 times for different samples before I finally decided (on the one she recommended in the first place...
)
I have the hand cream too, I am just not to keen on the smell of it for some reason. So as I pick and choose my samples, I went for the facial oils last time (lotus oil and blue orchid), and just all sorts really. I bought the body oil for the shower after getting a sample, as well as the melt cleanser. I am a sucker, yes, but they do last a long time. I have had the body oil for a few years now.
I use the fragrances too. 
I don't use a tinted moisturizer so I can't comment on that bit, sorry.
Its a minefield I know. Let us know how you get on.