(The UK govt recommends a 100IU supplement of Vit D per day and this is what most multivitamins provide, but current understanding is that an adult needs 1000-2000IU total per day, which is hard to achieve from sunlight and food in the UK)
You shouldn't double up on the multivitamin or you'll be overdosing on other vitamins it contains, so an additional Vit D is required.
The NHS recommends you consider taking 400IU, and not more than 4,000IU: https://www.nhs.uk/conditions/vitamins-and-minerals/vitamin-...
(That page also says 400IU is what adults need, do you have a source for your 'current understanding' by any chance?
It is possible to overdose on vitamins, and you can get adverse effects. It‘s not really a good idea to indiscriminately ”just take everything every day“.
https://www.anses.fr/en/content/vitamin-d-opt-medicines-avoi...
Running the numbers, the difference in cost of taking a multivitamin all year versus taking just vitamin D works out around the price of a pint of beer.
So I might as well take the multivitamin. How do I know I'm getting enough molybdenum (whatever that does)?