i agree - some moisturisers dont suit everyone.... some i have used dont sink in and sort of 'roll off' in lumps, and others make my eyes sting.
i use nivea - the one in the blue tub - i cannot use the nivea in the white tub as it makes my eyes feel weird
i also agree that the expensive ones are no better than cheap ones - you are paying for the name and the blarney.
if you must get her a fancy one i have heard elizabeth arden 8 hours stuff is good.
but i would see if you can get her a collection of sample or travel sized ones so she can choose whichever is best for her.
or, you are best getting a few 'mid price' ones for her, because no point in getting her an expensive tub for her to get used to, if she cant afford to replace it when it runs out.