A good moisturizer also improves your skin's tone and texture, especially over continued use. Using a facial moisturizer regularly from an earlier age can also help to delay the appearance of fine lines and wrinkles. Studies suggest that the skin is at risk of UV damage with just 15 minutes of exposure, even with cloudy skies or cool weather. Research also supports that continued use of sunscreen on the skin can help to reduce the risk of melanoma and other skin cancers. This reason alone should be enough to inspire regular use of moisturizers with sunscreen ingredients.