Cetaphil is gentle, and it is inexpensive. Neutrogena also makes great gentle, inexpensive toners. A lot of people out there think expensive = better for skincare, but when it comes to cleansers and toners sometimes simple is better. I would follow your skincare regime with a good moisturizer with SPF. Eucerin makes a wonderful one for sensitive skin, SPF 30, and it is lightweight (and inexpensive too!).
I have extremely dry skin. I always use cetaphil for cleanser, but I have never been able to use a toner without having it severely dry out my skin. I do swear by Creme de La Mer as a moisturizer. It makes my skin really soft and it glows.
I agree that Cetaphil cleanser is the best option for you. It's not harsh and will moisturize your skin as it cleanses. It's very inexpensive. For a toner make sure you don't use anything containing alcohol, as that will dry your skin even more. Make sure to moisturize every night, including your neck. I recommend La Mer.