I started off using a moisturizer underneath the Retin-A, and using the Retin-A every three days. Then every other day after 1 week. I then switched to Retin-A underneath and moisturizer on top for another two weeks. Then I went to every night use. Now I can actually use it without a moisturizer, but it is more humid ( I live in FL) now, and in the summer I border a bit on the O side.
If you're skin is that tight without putting anything on it for 20 mins, you definitely want to use moisturizer underneath first, to get your skin used to it gradually. It kind of dilutes the Retin-A, but you still get benefits with it. That way you can work it in gradually.
Also, you mentioned you are using a retinol product at night. I'm assuming you're not having any irriation with it? If so, it might be too soon to move up to Tazorac. If you're not having any irritation, go for it. I found this way of building up to it very effective, with no irritation.
I didn't use any special eye cream, just the regular moisturizer that I was using on my face. At the time that was Atopalm or Cetaphil Lotion. Now I am trying out the Aveeno Ultra Calming cream. Good so far. (I think Atopalm may have broken me out)
I apply the Retin-A under my eyes, just a tiny bit, especially where I have lines. But I don't use it on my lids.
HTH,
Marcy