I have sensitive skin and I hate wearing foundation, so I'm kind of OCD about my moisturizers.
For my face I use Kiss My Face: Face Factor SPF 30 Face + Neck for daytime and CeraVe Moisturizing Facial Lotion PM for nighttime.
For my body I use CeraVe Moisturizing Lotion.
Also, a lot of people neglect their cleanser. Never use soap on your face, omg. CeraVe Hydrating Cleanser is mine. (Yes, I'm really into CeraVe. But their AM facial moisturizer sucks. So just because a brand is good for one product, doesn't imply their others are good. Can never be too careful.)
http://www.ewg.org/skindeep/ - for checking what's in what you are using and whether it is hazardous. "Natural" and "organic" do not necessarily mean safe. And then everyone has their unique allergies / tolerances.
For me, it's always about finding a balance of "not too toxic" but still actually does what it's supposed to.
I really want to try the oil-only care regime, but I'm kind of terrified of what it will do to my skin. I'm suspicious I'll be one of those folks who gets horrible breakouts from it. And you are still going to need an SPF for daytime anyway if you aren't very dark.