Hope this is of value: I am 46 (august 25th), and I have not used any lotion nor have I suntanned in the sun or overally exposed my skin to the sun, and currently have no complications with the skin--that is age related. Sure, I have lost some skin elasticity (this comes with age, and though one can TRY to slow this down, it will eventually get one in the end). In reality, correct diet and weight training will do more for your skin than any lotions--or have the most impact, to rephrase. I feel better, look better, than when I was 22 years old.
You are just 22, dont be overally concerned with it, unless you currently have problems.
Oh.....
ROCK ON! with your young self!
Best regards
Chillen