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Yes, the older you get, the less product your face will tolerate.
This is when it gets worthwhile to buy higher-end products in my experience.
Where I have ‘cracking areas’ (under my chin, nasolabial folds, outer corners of my eyes) I apply a high-coverage concealer very thinly.
I don’t put a foundation on those areas.
I then ‘set’ it with a light dusting of skin-tone matched powder foundation.