I'm just past 40 and normally use Olay Complete Lightweight 3in1 Day Fluid. It works well in the summer for me, but as winter sets in (and the office fan heater comes out) my skin is feeling drier and tight, so I think I need something slightly richer but not greasy.
Skin is usually clear, bit greasy in the T-Zone but nothing requiring special treatment although I tend to use the normal/sensitive lotions as I do have hormonal spots which seem to spread if I don't.
I don't really want to get into really expensive creams with added x, y and z as I don't seem to need them - I'm not too wrinkly yet so want to keep it simple. I tried one which the counter lady at Bobbi Brown (my usual foundation) recommended but found it really greasy.
Any suggestions?