Hi OP, sorry in advance for the essay - hopefully some of it is useful to you.
The first thing I would recommend is using a high SPF all year round. UVA rays (which are responsible for skin ageing are present all year even in winter). Find one you like and use it everyday. It's the best thing you can use to protect against UV damage, which accounts for the majority of visible skin ageing. Unfortunately, as you are in the US, lots of chemical filters are not so widely available there, because they haven't been approved by the FDA. But there are some good mineral sunscreens.
Second thing I would recommend would be a Vitamin C serum. Timeless Vitamin C is a great brand that is available in the US, sadly no longer for sale in the EU. I would recommend using it in the morning before your sunscreen as it's an antioxidant and helps protect against sun damage. Will also help improve hyperpigmentation over time, and generally gives the skin a nice glow.
Retinol is great to increase cellular turnover and increase collagen production (both of which decline as we age) - use at night time after cleansing. Actually I always recommend people skip the over the counter stuff and just use tretinoin, as it is the best ingredient for improving your skin. It's basically a really strong version of retinol. However, it is prescription strength skincare (you can get it from your dermatologist, or from subscription services like Curology in the US) It can be a bit much for some people, there is usually irritation at first when using it, and can be difficult to get. Over the counter retinol is fine to stick to if that suits you better. There are loads available at all price points, find one that suits you.
You are correct that glycolic acid would not be good to use at the same time as a retinol product, so maybe use that once a week at night instead of your retinol product. Using glycolic acid pads every night may be too harsh on your skin - mine is sensitive and it would be so irritated if I used it every night.
Also, you don't really need a specific eye cream. Waste of money as far as I'm concerned.
Here is my routine, simple and takes less than 5 mins in the morning and 5 mins at night.
AM
Vitamin C serum
SPF
Moisturiser
PM
Cleanse with gentle cleanser
Tretinoin (or retinol product)
Moisturiser
Once a week or so I skip the tretinoin and use glycolic acid. Also occasionally I use other serums like niacinamide or peptides, but they are 'nice to have' and haven't been shown to do that much.
If you are worried about doing too much stick to the basics - SPF, Vitamin C serum, and a retinol.