I agree, i wouldn't use a product that claims to clean and exfoliate because i'd fear it's too harsh for my skin and i know the mess i'd have to repair after.
I don't always use toner either, and i make sure it's one without alcohol (too drying and too agressive).
Buying a product that does it all sounds wonderful and a tremendous money savior, when in reality, it may not do its jobs really well, and you find yourself with a product you can't use, a messed up skin and with a list of other products to buy just to repair that mess.
At least before you buy that product, make sure you read the label, and the ingredients.
I think the only 2 in 1 product i bought what a clay cleanser i could use as a mask if applied in a thicker layer. It was a great, deep cleanser for everyday use, but as a result, the mask didn't have more effect on my skin than the other days i used the product as a cleanser.