I think the color is most important – sometimes high-end brands do seem to put out interesting takes on color. I don’t get better or longer wear out of a high-end polish over something cheaper. Rescue Beauty Lounge and Butter London have really exceptional formulas.
If I’m just hanging out, then I’ll opt for tinted moisturizer, waterproof mascara, and maybe a wash of eyeshadow. I’ll avoid gloss and go for a lip tint or lipstick, because I’d rather not have sand stuck in my gloss!