@ehBeth,
I don't like stuff on my face either, and wash my face in the shower with plain old pears soap, and that's it.
Once in awhile, if it occurs to me, I rub some type of face moisturizer I've got sitting around on my face, but usually I don't even think about it.
Sometimes I'll mix a bit of safflower or sunflower oil (yes, I bring it from the kitchen pantry into the bathroom) with some epsom salts and scrub my entire self down. That's nice.
Personally, I don't think any of that fancy stuff does anything.
I do wear sunscreen every time I go to the pool in the summer, starting in March. I go most days. I love Winter swimming because the sun's so weak.
Sorry Morgan, I'm super low maintenance, especially since I stopped working.