Most people who have a weight loss of 20 pounds don't have problems with excess skin...but those who have had multiple children will have it in the belly/hips area...and those who have lost larger amounts of weight-mostly those who have lost 50+ pounds.
I am a naturalist as well, and hate hospitals. I use exercise instead of antidepressants...I drink herbal teas and concoctions instead of taking cold medicines (which always make me feel worse..) so I understand you completely.
But, the fact of the matter is, excess skin is what is left after our body takes some abuse. When I get to goal this time around (after baby #3...) I will have lost a good deal of weight for the third time-after each child. This time around, when I get to goal, my loss will be approximately 70 pounds. This, and I have had 3 large babies-my smallest being over 9 pounds. My skin cannot bounce back from it, as much as I would like it to.
I think of it basically like a balloon. You see what a brand new balloon looks like when you take it out of the package...blow it up, and then let the air back out. It never goes back 100% to normal. It's just life.
For me, personally, I am a DDD right after I have a baby and am nursing them...and when I hit my goal weight I am usually a small D. I fully know that I will look wonderful in clothes, but will have some issues when I am naked. However, no one sees me naked except my husband or doctor, so it really doesn't matter to me.
My stomach and hips have, and are going to have excess skin issues-from the stress of the large pregnancies 3x, plus the weight loss after each. It is just the way it is, and I accept that.
I don't know if I will have surgery if I make it to goal. I won't know until I get there, and see how I feel about it. No one HAS to have surgery to remove the skin if they don't want to. It is a personal choice.
However, I don't know of any herb, wrap, or anything than can get rid of the damage that has already been done. The same with my stretch marks...they are what they are.
I know you don't want to hear it...heck, no one does.
But, those who have had the large losses, and maintained those losses, have already dealt with this, and do know what they are talking about. Some go the surgery route, and others wear Spanx and good bras, and they look great in their clothes.
For me personally, I wear good bras...and I wear swimwear that has the matching shorts/sarongs/skirts over them, because my excess skin is around the belly/hips/thigh area...and it helps to camoflauge that a bit. I don't wear shorts-I wear summer skirts/capris, etc. because of the extra skin in the hips/thigh area.
The only surgery I would possibly consider in the future would be my tummy...simply because of my profession. I camoflauge it with costuming now, but it would be nice to not have to do that.
I wish there was something that could be done herbally...and someone with a smaller weight loss of 20-30 pounds might get away with a little help from a lotion or something, but with large losses, it never really works.
Sorry I couldn't be of more help...just know that others share your same issues.