@Laura - Neutrogena make good, basic products so those should be just fine for 20-something skin. (You don't need anything with super-potent anti-aging ingredients just yet.) The most important thing is the sunscreen, so if you're wearing SPF 30 every day, you're good! It's fine to use the same moisturizer morning and night as long as the sunscreen in it isn't irritating you. (Some people are quite sensitive to chemical sunscreens.)

As for toners - I think they are great because most of the time your cleanser isn't going to remove all the dirt, makeup, dead skin cells, etc. Getting that stuff off is going to help the ingredients in your moisturizer penetrate better - which will ultimately make your skin look better. Does that make sense? I like the exfoliating ones with glycolic acid (such as NeoStrata and Dermaglow) but you have to be careful they don't irritate your skin. Use them a couple of times a week until you can build up a tolerance. I just use mine maybe 3-4 times a week, at night, before I put on my serum and night cream. I figure my face is clean enough in the morning to skip that step.

I hope that helps!