Without a photograph or direct examination it is impossible to be definitive, but your description is accurate enough to state with a good degree of certainty that anything less than a full tummy tuck with umbilical transposition, hernia repair, and diastasis plication will give you a very poor result that will likely disappoint you!
Of course, every patient wants "more" for "less" and that is why there is potentially a doctor in every city who will capitalize on this unrealistic desire. These doctors may even be fully-trained and ABPS-certified plastic surgeons who advertise or market a "special" or "new" technique that combines liposuction with a mini-tuck, or simply try to accomplish major skin tightening with minor skin removal. (Guess what? This almost always fails!)
You sound like you are back to pre-pregnancy "fighting form" (congratulations!), so you are not overweight seeking tummy tuck-results from liposuction and small-incision "mini" tummy tuck. Rather, your loose skin is centered around your umbilicus, and if your OB/GYN is accurate, you also have a hernia that needs repair, and most likely a diastasis that also needs tightening. These require a full tummy tuck approach to yield the best result. Best wishes!