If you think about it logically (the skin that is) what do you think would be healthier for it? To use a good quality non-perfumed soap perhaps with a moisturiser if you have dry skin. Or to put on and off 5 different creams a day, including a cream to be slapped on overnight.
I would love to see a clinical trial using female and male twins, from age 16. Ensure each twin lives exactly the same life until they're 70. Same diet, same lifestyle, same everything. Have one use nothing but soap and moisturiser. Have the other use a multi-cream 'regime.' Then let's see how different (skin wise) they actually look.