1) Moisturizers do not go into your body. The skin is not that easily penetrable.
2) Putting sunscreen filters into a moisturizer does not render it less effective. It is still an SPF and provides adequate protection the same as a product marketed a sunscreen https://twitter.com/kyleskiki/status/1380288192344174599

3) sunscreen filters have been shown to be absorbed into the skin, however there is no evidence that it causes harm to the human body. The FDA has conducted studies on it. The DOSE MAKES THE POISON https://www.fda.gov/news-events/fda-brief/fda-brief-fda-announces-results-second-sunscreen-absorption-study

4) if moisturizers with SPF were truly dangerous then they wouldn’t be allowed to be sold. They go through the same testing process as sunscreens because they are DRUGS. They are tested for any potential risk or harm.