I'm with you Jac - I already have a savings account set aside because it was stressing me so much. I just decided to plan as if I'm having it and then if I don't need it I will fulfill a life long dream and go to Africa. If I do need it, I will have it and then save up for my trip.
I too am extremely worried about loose skin. BUT... I have already decided that I am also going to get plastic surgery for that problem when I lose weight. I know loose skin isn't the end of the world but I want to be able to someday feel comfortable about my body. Anyhow, just my 2 cents. lol