Is layering multiple skincare products actually better, or am I just overdoing it ?

I've been seeing a lot of routines where people layer multiple products like toner, essence, serums and moisturizer and I'm trying to figure out if it's actually worth it or if it's just overkill.

Right now my routine is very simple, but I'm tempted to start adding more serums to target things like texture and dullness. At the same time I don't want to irritate my skin or waste money.

For those of you that layer products:

. How many is too much

. Do you get better results compared to a simple routine?

. Are there combinations to avoid?

Would love to hear what worked for you.