I was thinking a bit about sunscreens and moisturizer and came to one point on which I would like your comments...

And sunscreen I have tried was too irritating for my skin/or drying it out. And all of them I have to remove with oil cleanser.

If I use moisturizer with SPF they somehow appear more gentle. And they don't need to be removed with appropriate oil cleanser.

And my point would be - Is it really that moisturizers with SPF are usually gentler to the skin?