Hi, I've lost just over 3 stone so far and I am not saggy as such, but the skin at the top of my thighs is all crinkly, a bit like crepe paper. eeek!
At the end of the day, nobody other than me and hubby will see it and I am not bothered by it that much.
As pp said, everyone is different. I was talking to someone on Saturday who has had 3 children and is a petite size 10 with one, yes ONE stretchmark. Yet I have them everywhere. That just proves how different we all are.