Abdominoplasty (tummy tuck) and Umbilical Hernia Repair with Mesh.

Ever since I had my second baby 8 months ago, I have been having some abdominal pain and I am unable to comfortably lay on my stomach. I have a large tummy apron due to gaining 75 lbs with my first pregnancy and delivering an 11 lb baby. I thought the discomfort was from the apron so I decided to go see plastic surgeon to consult about a possible panniculectomy. But after doing a physical examination he found an enormous umbilical hernia. He asked me if perhaps I had an outie belly button when I was a baby. Um YES! I had an outie until I was 8! My parents just hoped it would eventually go away because they didn't have money for a surgery. The Dr said it was probably always there and just made larger by pregnancies. I need to get the hernia repaired with bio mesh. He recommends a tummy tuck at the same time. He thinks I would not like the results of the panniculectomy. My concern is that I am not done having children, hopefully. He suggested doing a tummy tuck without the muscle repair. And he says I can absolutely have more children. (I have learned how to manage my weight during pregnancy and otherwise)
I'm concerned about a lot of things... I work full time and I am the sole provider for my family of 4. I can only take 2 weeks off of work! I don't have much wiggle room there. I have to pay the bills. I have read a lot of things about hernia repair having a very long and painful recovery. I wonder if it's any worse than the tummy tuck? I'm worried that I will not be able to help with my children and home life while I recover. My husband is so supportive and keeps telling me not to worry. But I can't help it. I'm also worried that I will spend all this money, time away from family and work, and go through all this pain and in the end... What if I don't like the way I look?
Since the hernia repair is medically necessary, so it will be covered by my insurance, but I am paying out of pocket for the tummy tuck. I am all pre authorized and surgery is scheduled for April 13th, 2017. I'm so anxious. But so excited. But so scared.

My surgery is less than 4 weeks away. I'd be lying if I said I wasn't nervous. My emotions are all over the place. I am beyond excited to have this THING off of my lap. But I have guilt feelings that I am putting my family through all this. And although I am super healthy, there is always a risk when you undergo any surgery. I have 2 little kids and a husband that desperately need me. But I know that I can be a much better wife and mother when I reduce my waste circumference and reduce my risk of cardiovascular disease among other obvious benefits.
I work out 6 days a week. I eat lean. I live clean, I don't smoke or drink or use any drugs. I feel that it is unfair for my body to hold weight in my abdomen the way it does. My panniculus effects every single aspect of my life in a negative way. EVERY SINGLE ONE!
I have spent hours reading other reviews and trying to find women who have similar pre op bodies as me. I have read stories of women who regret their decision every day of their lives, and those stories break my heart. But I have also read stories about women who change their lives forever in the best way possible. What I want to know is... WHAT IS THE DIFFERENCE?! And what can I do to get the later of those 2 scenarios? Is it all about the skill of the surgeon? Is it patient compliance with after care? Is it just that some bodies will not do well with this type of procedure? I don't know if there is an answer to these questions, but I am going to ask my PS at my pre op appt.
The pic is pretty much how I dress every day. T Shirt and yoga pants. There is no other options. I can't wear jeans, unless they are maternity and then I will inevitably get THAT question..."When are you due?" I can't wear dresses because there is no worse way to hide a protruding stomach than to drape some fabric over it and let it hang. Clothes shopping is NOT fun. I don't even bother trying on feminine or stylish clothes, it just makes me sad.
I will work up the nerve to post pics of my naked belly soon.

There are very few people who I would show my body without clothes, so the fact that I'm about to post these pictures on the internet is insane. But I have debated with myself over it and decided I need to post them. The reason is because I have deeply appreciated the bravery of others before me to document their journey so that I can learn from it. It would be selfish of me not to pay it forward.