I don't use lotion, is that okay?

I’ve been trying to keep my skincare routine simple lately, so I haven't been using lotion separately, and I’m wondering if this is okay. After cleansing, I only apply toner and then go straight to cream. It doesn't seem to cause any major issues, but I am worried that my skin might become dry or breakouts in the long run. I want to know if using lotion is essential, or if it is okay to skip it depending on my skin type. Is it okay to continue not using it like this?

It is nice that I don't use lotion, serum, or essence because my skincare routine is faster and cheaper, but...