Tone-up sunscreen vs. cushion, which is better?

I'm trying to keep my base makeup as simple as possible these days, but I keep struggling with product selection.

It is convenient to just use a tone-up sunscreen for a light finish on a daily basis, but the coverage definitely feels lacking...

On the other hand, using a cushion makes the skin finish much cleaner, but I found it surprisingly cumbersome to have an extra step on busy mornings.

Especially when the weather is unpredictable like it is these days, my skin condition is all over the place. Some days a tone-up product seems sufficient, but on other days it looks insufficient without a cushion... It's hard to set a standard.

I want to save as much time as possible while still looking like my skin is clear.
I keep debating whether it would be better to just use a tone-up sunscreen or to use a cushion foundation as well.

Is anyone else having similar concerns?

I'm curious if you usually only use tone-up sunscreen, or if you use a cushion foundation as well!