I know there is a trend for hot cloth and oil/balm cleansing, but its really important to actually wash your face both morning and night, with something that foams and needs to be rinsed. The formulation should be suitable to your skin type, there is something for everyone. Oils and balms are good to dissolve makeup and dirt only. Afterwards, you actually need to wash.
Your skin sounds combination. Make sure you buy products that are clearly marked as non-comedogenic, as they don't block pores.
For morning I would suggest a serum and/or lightweight cream and then a proper SPF block, 30 at least (not a moisturizer with added SPF as you may not be using enough to get the sun protection you need).
For bedtime routine, I suggest a face oil instead of night cream. Makes a difference to my skin. Check out the ones for oily skin. You can alternate between using an oil and a retinol product at night, as retinol should not be used every night for a start.
Get a good eye cream. Also, try leaving the Apivita Ginseng eye mask overnight, and you will wake up with brighter and hydrated eyes, diminished dark circles.
Have a clay mask once a week.
Use a face scrub with acids once a week.
I use pharmacy brands almost exclusively and I rate lierac, uriage and darphin. I also have firm favorites from korres and apivita, when it comes to cleansers and face masks.