rs never moisturize !?!?!?
I have similar skin type with yours.
Every morning and every night, I will use toner at first. I used to use Marykay #2 toner and it works well. When I used it up, I tried several toner, including Clinique, Estee, Kleil's and Dior. I found the Estee soft toner and Dior gentle toner(the light pink one) can make my skin soft and smooth and not that dry as before. But except Dior, other toners make my face painful more or less. So I recommend the Dior gentle toning lotion.
I am using Estee Lauder Hydrationist moisture lotion. The effect is just so so. But you can try some serum. For example Chanel hydration serum. Yes I know it's pricey;-)