If it’s still daunting, you can cave and buy one multistrand necklace with different elements that make it look layered without the fuss (or fun) of DIY.
These provide some coverage but are lighter than traditional foundation. Drugstores have numerous brands in the $10 to $15 range, and cosmetics superstores like Ulta and Sephora have even more options.
But beware, you'll have a tough time locating it because tinted moisturizer is often not called that. Cosmetics manufacturers have renamed the stuff BB cream or CC cream. I can’t find much difference between BBs and CCs, but the coverage varies hugely from brand to brand.
I tested 10 from the drugstore and found that Revlon and Garnier BBs and Olay CC were my favorites.