Thank you for writing this, it’s so helpful and informative. I’m now eyeballing all of the products in my stash for problem ingredients.
One product I have that lists urea as the third ingredient is Eucerin’s Intensive Repair Extra Enriched Hand Cream. Lactic acid is also further down on the list. It does also contain glyceryl stearate and peg 40 stearate though, but everything else on the list looks pretty harmless. I wonder if the high urea content renders those ingredients less problematic? But the pH tests around 7, I guess b/c it contains aluminum starch octenylsuccinate. Not sure, but I was thinking of trying a small amount of this on a damp face after cleansing.