To go under the knife or not??

So i have really been thinking about it MORE lately and i really want to get a tummy tuck done. I have lost a good bit of weight and got down to really low body fats and STILL have the nasty loose skin and the horrible stretch marks. SO NOT FAIR! I feel like its going to be a roadblock in my journey into figure competitions and bodybuilding (hoping to do crossovers soon, yes lots of work to do). I have already had one consultation and the surgeon said i was a good candidate. I still haven’t made the decision as i wanted to hold out and see if my skin would go back, but i seriously doubt it. I have done my research on how long it takes and on tummy tucks and i’m one of those rare cases where the skin doesn’t go back. I think this also impedes my abs from coming out too. I want to feel comfortable in my skin and the tummy is NOT HELPING. Having 4 kids and yo yo dieting most of my life has completely destroyed my midsection. So you may think that its not that bad as per my pictures, but you see i’m flexing and not moving around much. My sister even noticed it. It really puts a downer on me even when i try not to focus on it. I also feel a bit of discrimination towards it when doing my competitions. The tanner doesn’t really help neither nor the Dermablend (actually makes them appear worse). I have tried a few things to soften and fade my stretch marks, but nothing. I have tried the Jean Wu method, Vitamin K, Trilastin (went through 2 tubes of this stuff), aloe vera, and cocoa butter. No luck, these battle scars are really engraved. I have brought it up to my husband of how i really want the tummy tuck, not only will it rid me of most of the stretch marks, but it will rid me of the nasty loose skin. He even mentioned how i am almost perfect EXCEPT for the tummy I almost cried on that and just want to cry thinking about this. I have gotten some mean comments about them before too Not cool, i say if you don’t like what you see, you can kiss my a$$! Now the only way i would get the funds to cover this operation would be out of my 401k, i would really hate to do this, but i’m getting really desperate! Not only because of competing, but when i go to the beach, i don’t want to be thinking about who is looking at my stretch marks/loose skin crap and how i have to bend over to pick up stuff. It just SUCKS!! I deserve to be happier with myself. I have yet to bring up my plan to my husband. I have a feeling he will not be 100% up for it. He is not the one that is dealing with the issue. Its been 2 years now that i have gotten my body to a stable weight and bodyfat and i know the skin and stretch marks are not going anywhere. Does anyone know if this will cause issues with me competing in judging? I mean will it count against me? I have a very valid reason. What are your thoughts on this? Sorry to ramble on, but this has really been on my mind. I want to continue competing, but would like to take care of this issue first as i think my chances of building a better physique will be higher. Yes, i know about the scar from hip to hip, but i would rather have that then all the stretch marks that plague my stomach I know there are people that are all against surgeries and what not, but i really think some of them would really love to get some procedures done themselves. I say don't down the ones that go through it if they really need it. Offer positive advice if you don't agree with it i say.