Having lost ten stones I do have excess skin. I have the apron others speak of. Nothing like the ones you see on those poor huge people on tv after losing 200 pounds! A comparatively small one, but obvious. It doesn't look that good but then, neither did the surplus stones.
I am waiting a year or two before deciding what, if anything, to do about it. Fearful that surgery will either be too expensive, too dangerous, or both. And the scars of even a successful tummy tuck are far from pretty.
I think if we have stretched our skin that badly, and for a long time, we can expect some damage. Those who don't have any are very lucky and yeah they do exist!