You've done a fantastic job!

And those deadlifts are awesome!!!! The result? Those great hamstrings that you were displaying in the picture.
For me, the last 10 pounds was all about 110% effort. Clean eating ALL the time, never miss a workout, never just go through the motions. Maintaining at that weight takes the same effort. You look great now, but I know how frustrating it is to work so hard and not be quite where you want to be, and not look like what you thought you'd look like.
Skin is very individual stuff. Have you read our
FAQ sticky on skin in the Maintainers Forum? There is a lot of discussion about all the issues you've raised.
Many of us here have had tummy tucks after reaching goal and maintaining for a while. You look quite young which is a big plus. Have you had children? Pregnancy as well as fat takes a toll on skin and makes it harder for some of us to "spring back". Having surgery to remove excess skin is in no way a weightloss cheat. If it's within your budgetary realm, I'd look at it as a reward. For me, I'm not sure I would have been as likely to maintain if I hadn't had some of the skin removed. At my age and after 2 large pregnancies, it wasn't going away on it's own. Now I work extra hard to maintain the body that was under the floppy skin. My arms and legs recovered well (and they are loaded with muscle!), but I carried most of my weight on my stomach.
It's a very personal decision. Only you know what you can live with both in terms of diet and exercise, and cosmetic surgery.
Mel