An oily T-zone with drier cheeks.
Combination skin behaves differently across the face — an oilier T-zone (forehead, nose, chin) alongside cheeks that are normal or dry. The routine balances oil control with hydration, often by adjusting how much product goes where rather than picking one extreme.

Sebaceous glands are denser across the forehead, nose, and chin than on the cheeks, so oil production naturally varies across the face rather than staying even.
Some people do — a lighter gel on the T-zone and a richer cream on the cheeks — but a single balancing lotion works well for most combination skin.
Yes, applied only to the drier cheek areas, not the T-zone, works well as a light finishing layer.
No — combination skin has a genuinely drier zone (usually the cheeks) that oily skin routines would over-dry, so the balance matters more than oil control alone.
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