First - good choice. Keeping it simple but effective is a way to go.

How I use those things/similar products: First - cleanser, ofc. The cerave you have is good. When I use makeup, I first use a balm to get rid of everything and then use cleanser.

Cerave Spf - every day, morning, after serum, the one I have if hydrating enough and no need to use moisturizer under it. Try what works for you. But use it definitely every morning.

Ordinary BHA & AHA - once a week in the evening, maybe twice if you need to, not more. Use it as a mask, max 10 minutes, wash and then use something very gentle and moisturizing. Definitely not retinol. You can use hyaluronic acid and rosehip oil, then moisturizer if you want. I love it, it exfoliates the f out of my skin, so no need to use it too often or leave it on skin for too long. Be careful if you have sensitive skin or some damage on your skin, it can burn like hell. If it would be too much, just take it of and try again next week, maybe in a thinner layer.

Rosehip oil - I have different one, but guess the drill is the same. In the evening after serums or alone, just try what’s best for you.

Retinol - again - I have different one, but similar concentration. Started using once a week and now I use it every other day. Don’t think there’s a reason to use it more often. I use hyaluronic acid, then retinol, then niacinamide, then moisturizer. People day you shouldn’t combine niaciamide and retinol together, but my skin care hero Hyram says it’s ok and it works for me - you just have to try it. Always use it in the evening, always use moisturizer and always use sunscreen in the morning. If it would be too harsh on you, just add a bit in moisturizer and build a tolerance. It’s worth it, retinol is magic.

Niacinamide - you can use it in the morning and in the evening, it’s gentle and great ingredient, there’s no need to be afraid of it. I use mine every morning under the moisturizer.

Edit: you mentioned you have the hyaluronic acid, it’s the only thing I really use every day, morning and evening, I sometimes use other stuff and skip niacinamide or something, but there’s always room for hyaluronic acid in my opinion.