This is likely one of those things that is highly dependent on both genetics and one's own goals. I'm not sure that it's entirely possible for anyone but yourself to answer that question. I'd advise approaching it from angles like "What issues do I have with my skin that I want to improve?", "How do I want my skin to look?", "How do I want my skin to feel?", etc. Once you establish the fundamental problems that you want to solve, you can then try to find solutions and answers.

At any rate, for reference, I personally moisturize twice daily: I moisturize my face in the morning, and then both my entire body and, again, my face at night. If you are curious about the details, I described my skincare routine here.

I only moisturize my body when it feels dry in the winter months

Find a friend who gets visibly ashy and start applying cocoa butter moisturizer as often as they do.

"As needed"

For me, full body is at least after every shower on a damp body. Plus once before bed during dry weather...and I have to moisturize my hands like 4 times a day

After you shower