Personally, my preference is all natural so this counts out pretty much all of the store bought ones. You will find that most of those are based on mineral oil (bio oil included unfortunately), which is a petroleum based product that ultimately is bad for your skin, and water, that you end up paying a whole lot of $$$$ for. You are also footing the bill for their ridiculous packaging (given they tend to be such small quantities) and their marketing campaigns so they can continue to sell lots of parrafin oil/mineral oil (not nice stuff - linked to excema and cancer - check this out:
http://oc.itgo.com/cancer/environ/tars.htm )and water heavily packaged up in tiny amounts. It's so silly.
I think the main thing is having skin that is hydrated and protected from the sun. I use skincare from a company called Beauty and the Bees. It is DIVINE. Seriously, divine. I used to change products all the time before because I like new stuff but I have been using this for over 4 years now and am yet to get bored. It feels amazing. It smells amazing. It's very affordable. You can buy bulk (they don't have all the bulk sizes listed on their website but you can ask them about it and they'll tell you). It's all natural based on lovely oils, honey, and essential oils. You order online or over the phone and have it delivered. Costs a little for delivery but still so cheap when you look at how much you get. And they always throw in little freebe samples. Oh, and did I mention it is totally divine? Seriously, divine. My skin is quite dry but using this it is fantastic.
Here's their website: www.beebeauty.com - I buy the 500ml face creams (not on their website but you can ask for them over the phone, they cost about $132) and 2 of these (one lighter cream for day and one heavier for night) lasts me a good year (keep the big tub in the fridge because there's no preservatives and decant into a smaller container). Seriously. They are based in Tassie and we visited their store on holidays last year in Sept. I spent about $350 on stuff and never placed a new order until a couple of weeks ago. I think $350 for a year of skin care is fantastic.
Then you just want a good zinc based sunscreen over the top and you're done.
ETA - as a 'toner' I use rosewater. You can buy it in 1L amounts online from New Directions. Only about $8 or $11 or something and it will last at least a year as well. You can also buy a plastic bottle and atomiser from them really cheap and you just spritz it on your face. Beautiful to keep a spray bottle in the fridge in summer too.