Loose Skin, Chest Fat or Gyno? Is Smartlipo right for me?... Wanting a great looking chizzled chest? (photo)

I am a 35 years old, have lost 100lbs over two years and currently weigh 180lbs (15% BF). I work out 5 times a week. I have consulted a leading plastic surgeon specialising in Smartlipo MPX & Triplex in the UK. He has suggested Smartlipo MPX because of the little amount of fat & the needed skin tightening. He said he can just go through the armpit. Looking at my photos will Smart Lipo give me a chizzled chest? I am very worried about saggy skin post op or a nipple pointing south. Thank you