Are all of these products necessary?

I am 52, and have not done a great job taking care of my skin. Not extreme sun damage, but definitely some. A combo of that and perimenopause has my skin fairly dry. I've never had a skincare routine, and would like to start one. I've done some research and this is what I've come up with. I don't want to waste money.

Day

Hydrating Toner

Trader Joe’s Anti oxidant serum

vitamin c serum

Eye cream

Face oil

Cerave

Sunscreen - face, chest, neck, hands, arms

Night

Oil based makeup remover

Cleanser

Exfoiiator 

Hydrating toner

Vitamin C Serum

Eye cream

Cerave

Face oil or  retinol/Adalpene/Tretointin - start with once a week

Cerave again if Adalpene

Chest, neck, arms cream

All over body cream 

Hand cream with gloves

What do you think? Anything I should skip?

Thanks!