Hi Matt,
First of all, congratulations on your tremendous accomplishment. Wow - you are such an inspiration!
I cannot answer your question from the perspective of someone who has maintained a healthy weight for a long time (I'm just in maintenance mode since June), but wanted to let you know you are not alone. I was just checking things out last night after my workout & was wondering if my stomach would ever look flat, my thighs ever look toned...and let's not even talk about my backside!!
Seriously, it is disappointing after so much hard work to still see the imperfections; however, I think we have to work to focus on the positives. We may never meet our own expectations, but you have reclaimed your health and are in awesome shape (14.9% body fat?? YIPPEE!).
It also takes time for our bodies to adjust. I am definitely noticing that, and I have only lost ~30% of my original body weight. My stomach was much loser at the beginning of the summer - in some ways, I felt slimmer. The lose skin is still there for sure (gross) and yes, I believe some (most) of it is fat, too - but it is getting to be less as I'm acclimating to my new 'normal' weight.
Be gentle with yourself. Don't let the mirror get the best of you. For many of us, our eyes cannot be trusted...allow yourself to soak up other people's kind comments about how awesome you look and use the data to judge fitness/health, not the mirror. If it continues to bother you, a visit to a doctor to get an outside opinion regarding skin vs. fat may help ease your mind.
I'm sure the long term maintainers have some better advice for you. I just wanted you to know you are not alone & that I hope you will not let perceived imperfection ruin what is an amazing accomplishment.