Mid-40s: Am I too young for neck and jowl surgery? (photo)

I’m in my mid forties and really upset by miy lower face (eyelid wrinkling not shown in photo). My concerns are my neck and Joel area. I’m only in my mid forties and am nervous about surgery and recovery times and risks. However, not sure what my options are. I have gained some weight and this maybe contributing to my concerns. If I have surgery now I’m not sure if I’m too young? I have a young family and I don’t know what my options in terms of treating this area. I’m scared of having huge surgery.