Congrats on your weight loss!!!
As for the skin, this seems to be an individual thing...made of many factors, your age, whether you've had kids, how long you've been overweight....your personal elasticity, etc etc. I have lost 90+ pounds over the last 10 months, and have been obese for over 15 years, and have had two kids. I have all of what you are describing, plus inner thigh wrinkliness. I'll see what magic time has in store for me (I'm 33) but I'm not counting on much help. I think it'll be necessary to get surgery to get rid of it, if I go down that route. I take comfort knowing I look awesome clothed.