Is Mini Tummy Tuck Less Risky?

Just based on the photo you provided, you look like you are in great shape and do not need plastic surgery. However, to answer your question, a mini tummy tuck would definitely be less invasive than a full(standard) tummy tuck. I would suggest consulting with a board certified plastic surgeon before deciding to proceed with surgery. However, with a mini tummy tuck, work below the belly button only is involved which may result in a bulge. If diet and exercise alone does not give you the results you are trying to achieve, then plastic surgery may be a good option for you. Good luck!

Mini-abdominoplasty tightens the lower abdominal wall muscles and removes redundant skin below the umbilicus, belly button, only. The shortest scar technique leaves a scar at the pubic hair line. Liposuction may be used alone or in conjunction with a tummy tuck to benefit selected patients
‘Mini” tummy tucks can benefit patients who have a small amount of excess skin and fat or protruding of the lower abdomen. This operation may be done under local anesthesia with sedation, on an outpatient basis. Liposuction may be used alone or in conjunction with a tummy tuck to benefit selected patients.
Far more important than deciding if a mini tummy tuck is for you is the skill and experience of your plastic surgeon. Choose your surgeon rather than the technique and let him explain why one technique may be better than another and if you need a tummy tuck. Many board certified plastic surgeons provide a free first time consult and you should take advantage of that!
See the below link on some suggestions on finding the most qualified Plastic Surgeon for you!
I have also attached a video for a possible Tummy Tuck Candidate.

You have good contours to your abdomen at present and I am surprised that even a mini tummy tuck has been advised. Of course, an examination could reveal loose skin that is not apparent in the photos. I would recommend only mild correction of the diastasis because overcorrection could produce the bulging of the upper abdomen that you have described.