I am 38, 5'1 feet, and weigh 155 lbs. Lipo or Tummy Tuck? (photo)

Both liposuction and tummy tuck (abdominoplasty) are for conditions that do not respond to diet and exercise. If skin tone is good then lipo may be an option, but the photos show that the skin has been stretched quite a bit. In that situation a tummy tuck is the way to go. A plastic surgeon who does both tummy tucks and liposuction will be in the best position to give you honest advice about which one is best for you. Be espaecially wary of advice that laser lipo will tighten the skin enough to avoid the tummy tuck - it won't.

Thank you for your pictures and your question.  I would agree with the three plastic surgeons you saw who recommended a tummy tuck, and I would seriously avoid the doctor who suggested liposuction.  You have significant muscle separation which will not be improved by liposuction, and much too much skin to shrink up with liposuction.  A well done tummy tuck by a Board Certified Plastic Surgeon should give you amazing results.

Pick you plastic surgeon wisely.  Be sure he or she is certified by the American Board of Plastic Surgery, and then follow their advice closely.