MOST products have lots of chemicals. That's why we buy them - for the most up-to-date engineered moisturizer that will soothe, even, moisturize, slice dice and julienne fries!
Ahem. Sorry.
The better you take care of your skin now, the longer it retains the elasticity of youth, so no, it's fine to use stuff early. Just make sure not to use those products that have too much active stuff for your skin. I.e., products for women's skin in their 50's is different than products for women's skin in their 20's. We might want a smidgeon of retin-A or something, but a 50 year old might want a larger amount that would be bad for us.
The best thing is simplicity, for most people. Find one cleanser that really feels good. Find one exfoliation method (whether it's a scrub or a wash cloth or whatever). Use the least amount of product you can, and still have healthy even skin. I use something for my eyes, and something for my face. In the winter, the face stuff is a slightly heavier moisturizer because I live in a cold climate; in the summer, I use the lightest thing I can get away with (skinceuticals B5 gel, it's mostly adhering water to your skin).
And yes, Mal is right - greens to neutralize red spots, and yellows to brighten dark/blue spots.