It is so worth it! You are worth it!
Please take my word on it. You've come such a long way and you will be sooooooo much happier once it's done. You will be amazed at how well your clothing fits, you will have much more confidence and it makes your journey to get here so much more barable. It has nothing to do with being vain, it is a health concern to have overhanging skin and also take into account the way you feel about yourself (your mental health is just as important as your physical health).
Dr. Toy is amazing, he took off 13 lbs of skin and 2.5 lbs of fat through lipo. I went from a size 14 to a 10 and after almost a year I still have a small waist. My only regret is that I didn't do my thighs at the same time, so now I have a tiny waist and large thighs (it's impossible to find jeans that fit correctly!). Dr. Toy doesn't like to do the thighs outside of a hospital setting so if you have a lot of extra skin there, then I would do it while he does your stomach (the only way to do a surgery in a hospital is to have AHC cover at least part of it and they will only cover your stomach surgery, it's complicated). I'm still trying to find a way to get my thighs done by him.
I know you said your husband is against it, did he tell you why? Is he worried that you may leave once you feel better about yourself? My husband was so happy and excited for me when I had my surgery. He loves it to this day and doesn't hide the fact that he loves to touch my flat belly. It's helped us in many many ways.
You really need to look deep into yourself and do what is best for you, what would make you feel better? It seems selfish in a way, but it's not, it will make you feel better about yourself which in turn makes you happier and it makes everyone around you happier. It's a win/win if you ask me.
Sorry for the long post. Feel free to pm me if you want more info on my surgery etc.
Jill