Do you have any recommendations for a highly moisturizing cream?

Do you have any recommendations for a highly moisturizing cream? I’ve tried products from Daiso as well as good quality cosmetics, but if I focus solely on cost-effectiveness, I worry it might be bad for my skin, whereas buying expensive products is too much of a burden on my budget.

Still, now that I'm in my late 30s, I realized that a highly moisturizing cream is a must. It feels like toner and lotion alone aren't really replenishing moisture. My skin actually feels very dry and rough. However, I also thought that using a face mask every single day would be realistically difficult. So, I wondered if I could apply a generous amount of highly moisturizing cream before going to bed.

Do dermatology clinics sell highly moisturizing creams separately? I was wondering if you have any recommendations!