Your start weight is similar to mine. I am 36 and find that my skin has tightened better than I expected.

I still do have a bit of loose skin on my inner thighs, but I think even that is improving slowly, especially now that I am near goal and have begun working out more. In any event, it is covered up by my shorts and would only be noticeable if I was in a bathing suit and someone was very close to me. Naked of course it's visible but I'm working on that and DH doesn't care - he loved me even when I was 60 lbs heavier.

My stomach has a tiny little pucker of skin around where my stretchmarks are (I was fat a LONG time). But I have no overhang at all and my pooch is really quite small now. I used to be able to grab great handfuls of it all the way across my front. Now there is only the little bulge that most people have. I'm hoping my workouts will help tone it some more.

All in all, not so bad.