Hello and thank you for your question. Congratulations on your weight loss journey - that is not an easy feat! Regarding the timing of a tummy tuck, the best advice is to be at or as close as possible to your goal weight prior to surgery (i.e. don't plan to lose more weight after surgery) and also have have stable weight for at least 6-12 months after notable weight loss (i.e. don't have surgery if your weight is still changing/fluctuating beyond plus/minus a few pounds. If this is the weight/BMI that you are happy and healthy at, then it is OK to proceed with a tummy tuck, in my opinion. And I do not believe you need the vertical FDL based on your photo, unless your goal was absolutely the tightest abdominal skin regardless of scarring. Yes, it is important to note the difference between visceral and subcutaneous fat. For best aesthetic results (i.e. the flattest possible belly), I usually recommend a BMI less than 30 for patients. This is due to the fact that the proportion of visceral fat (behind the muscles that cannot safely be removed with plastic surgery) is greater in BMIs more than 30. Different surgeons likely have different "cut offs" and recommendations. Nevertheless, in my opinion, many patients in the BMI 30-35 range can still have great results with abdominoplasty. I don't routinely recommend this surgery for patients with a BMI higher than 35 as not only does the aesthetic result become more unreliable, but there is also greater anesthesia and post-surgical complications risks involved with higher BMIs. Thanks again and good luck with your journey!