I use Clinique Repair Wear Day moisturizer, with spf 15 all of the time, but I also put the Neutrogena Face only sun block on over it, when I am going for a ride (spf 45). I guess I would skip the sun block if it was very early season, or late fall, when the spf 15 would be enough. My skin is normal, though I still get a break out here and there, even though I am almost 56!
The Clinique is expensive, but not as much ad other designer brands. It saved me when we were riding in Italy a few years ago. I totally did not remember to wear sun block and had long sleeves/tights on for the beginning of the ride. I changed to short sleeves and took off the tights after awhile and I got a horrible burn, everywhere except on my face.