Limit your daily regimen to cleanser + toner + micro
gel + spf. Then your nighttime regimen would be
cleanser + toner + moisturizer. Exfoliation should be very limited or avoided when using the micro gel, because it's essentially exfoliating your skin already.
And yes, you need SPF, whether its a separate sunscreen or a built-in moisturizer. Personally I use the built-in moisturizer, its quicker.