You bring up a good point and this confuses a lot of people.   Moisturizer is tricky because that decision is a combination of your basic skin type (which changes as we age  and with our hormones), the environment (humid, hot, cold, wind, air conditioning, etc) and the product itself.   

So for you, you already use the 3 products on your skin in morning and all have some moisturizing ingredients in them.  Also, you use another product at night which is in a cream base.  You may not need a separate moisturzer unless you go skiing, to the desert, etc.   I hope that makes sense!   Dr. I