I am not sure that a MINI-Tummy Tuck would get you the cosmetic result you want and deserve. A Mini-Tummy Tuck is an over-used operation which is best used in women with minimal skin excess / looseness and either no muscle separation or mild separation limited to under the belly button. Attempting to use a Mini-Tummy Tuck in women whose muscle separation extends higher results in a flat lower tummy and a bulging upper tummy with an abnormal belly button location.
In your case you state you have a "pooch and some fat that protrudes from the bellybutton and below". So we know the muscle separation or diastasis, extends as far as your belly button. I would bet that on examination, it will be found to extend higher.
A well performed Full Tummy Tuck would remove all tummy skin excess, narrow the waist, lift a sagging Mons pubis, give your a young appearing, sunken "innie" belly button (instead of one that "doesn't look youthful or sexy") and could lift your thighs resulting in smoothing of upper thigh cellulite.
Based on my extensive experience with this procedure, I think you would do better with a Full Tummy Tuck.
To read a comprehensive summary of Tummy Tuck / Abdominoplasty, please follow the link below -
Dr. P. Aldea