) and I know that saggy skin or scars from a tummy tuck would cause me to be just as miserable about my body then as I am now and would make me back off from meeting guys and getting, well, intimate 
So, given that does anyone have any tips of how to reduce this from happening or any recomendations for skin lotions that firm the skin up?

The body images and issues after weight loss section of 3fc might interest you; there are plenty of boards on there pertaining to skin after weight loss and an extremely help FAQ about the matter in the stickies. Good luck.
What will be will be...