For further prevention, SPF is your best bet. What you are looking for is around 30+ for the face that is labeled either broad spectrum or has a PA rating of +++. Those labels indicate that the SPF will also cover UVA rays (the ones that cause aging).
Why not the moisturizer/SPF combination? It would take a lot of product to get the full benefits of the SPF. Plus if there is any sensitivity to certain sunscreen ingredients (oxybenzone for example), it will be a hard task to find one without.
Dark/sun spots. What works best for me is basically called a whitening serum in asian countries (Often labeled in the states as brightening, hyperpigmentation, lightening, uneven skin tone, etc). Shiseido (White Lucent) has a serum that does an excellent job at diminishing the spots. Shu Uemura also has one (White Recovery) that is worth looking into that has great results, costs less, and lasts much longer. But if those two are above your price point, then look into products with the labels I mentioned beforehand.
As far as fine lines and wrinkles go, I would honestly say sample around. Personally, I have not found a product I am in love with yet. However, I did enjoy the sample of the YSL Temps Majeur Yeux as far as eye creams go. DDF Erase Eye Gel was another one that did a decent job for dark circles. In addition, sleep is good for combating dark circles.
Hope that helps.
Answered[ Edited ]
I've found that by adding a better spf moisturizer to my day routine and an aha treatment to my night routine has diminished a great deal of the small sun spots and fine lines I was beginning to get.
I'm 32 with medium, normal/combo that still manages to breakout
(or at least it did before I found the perfect products for my face)
and I use Josie Maran Protect Daily Sun Protection spf 40 during the day
and Ole Henriksen Pure Perfection at night.
I started noticing a difference in about 4-5 days.