The Instructions for Retin-A Micro Gel Say to Use It on Bare Skin. If I Put on a Moisturizer at 9pm do I then have to wash it?

Before I go to bed? I really love it. I'm already used to retinoids, but I still have some flaking and peeling with Tazorac cream or gel, .1% or .05% and also with tretinoin cream, even a dose as low as .025%. I have no peeling or flaking at all with .1% microsphere gel. I would like to use my moisturizer somewhere because the 2nd ingredient is niacinamide. It might be a 4-5% concentration. That's the only way I can have an antioxidant.

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