I've been using Cetaphil daily facial moisturizer with spf 50. It's a 50ml bottle for about $18. The stuff makes me shine quite a bit so I don't use it on my forehead (since that area would be cover by my helmet anyway). I'm not sure how much wind protection it will give you but my cheeks doesn't feel dry.

I find Olay's daily moisturizer with spf 15 awesome too! Though I do wish they would make it in a higher spf.

And, awhile back, I used to use Nivea cream. It does really help with wind burned skin. But now I'm using cetaphil, I don't seem to have that problem on my cheek anymore.