I used to use a facial moisturizer with sunscreen like Oil of Olay's or Estee Lauder Daywear Plus. I started wearing a moisturizer w/o sunscreen, and layering sunscreen overtop because I find most lotions w/SPF are drying, and they don't tend to come in high SPFs. I'd like to go back to 1 step if I can. Is there a such thing as a good moisturizer that has SPF? My skin is dry.