I've got the same problem with my tummy--there really isn't much fat left, just saggy skin. (7 pregnancies may have something to do with it!) I'm going to try Pilates--my neice thinks it will help. At least it may help at least bring the 2 sides of my stomach muscles back together again! (I'm almost there with that--been doing all kinds of situps, and just about another 1/2 inch to go!)
My problem isn't so bad as to require surgery--I'd rather spend the money for my hubby and I to go on a great vacation together--I'll just stick to wearing a one-piece!

Peach