30 Years Old, Need BBL and Tummy Tuck

I had a preliminary consultation with Dr. Horn. Dr. Horn was very informational, he answered all my questions. I thought all I needed was lipo with a fat transfer turns out he says a Tummy Tuck is what I need due to the loose skin, and a lipo with a fat transfer. Dr. Horn was very specific as to what he would do to me. I feel very optimistic. I wish I could do schedule and book my surgery date now however, I must exercise diligence and consult with other doctors. After I met with Dr. Horn I met with Jordyn, who was super friendly, she came in to explain pricing-both procedures-$14,300!! The price is hard to swallow but I think I should be okay. I am just afraid as to the pain from the tummy tuck (hip to hip incision). I have never been pregnant therefore there is no need for muscle restoration. Anyone, had a tummy tuck without muscle restoration?...I would like to know about your experience.