Trying skincare for the first time

heya!! so I've never had a skincare routine before, the only thing i wash my face with is soap and water since that is the only thing i could afford. Since i've saved up a little, and i think my skin is getting textured- i chose to ask the next best thing since i couldn't afford a dermatologist- Chatgpt. i sent it picture of my skin and it told me i had mild-moderate skin texture and recommended me Salicylic acid cleanser, retinoid, niacinimide, light weight mosturizer and a sunscreen (i already wear sunscreen).

But after my research on the media, They say you only need a cleanser, toner, moisturizer and sunscreen. I have sensitive skin and need recommendations on what to do, esp since i have limited savings <//3 pls tell me what is the best option makeup gurus it would be appreciated!!