Good job on the weight loss #1, #2 I wish you luck on getting into the shape you want or need to be in for plastics. I lost 400lbs, I've had 13 operations (not done yet) always in physical therapy and have had plastics before.
My experience, I had a Panniculectomy (stomach) which just gets rid of the excess skin and cut from hip to hip. Alot cheaper than a tummy tuck, but not a finished look like I wanted after the fact. The Gynecomastia (chest) was decent, but still just addressed the worst of it on my part. They did remove 15lbs total, which is great. But I wasn't in good shape physically, no muscle tone and the thick loose skin like you mentioned. I gained 140lbs back, then lost alot with the Tirz/Reta and got me to where I am now. I could have plastics again, but I would want to have much better muscle tone and be able to address all the problem areas and spend my money once, not twice.
A couple ways to approach this on your part, from what you're asking. If you just want better quality of life plastics, see what insurance can kick in. Document, document, document and get several letters of recommendations on your side for medical necessity and plan to appeal. If no luck there and you're paying out of pocket, the Panniculectomy isn't a bad option, just don't set your expectations real high for the final finish. Generally if a plastic surgeon will do a Panniculectomy, they will have a cheaper option for a $%^*& reduction as well.
If money isn't an issue, you're a little vain (nothing wrong there) then take the long road on this. Do your best to get some good muscle tone built up. Recovery is a long road, with some muscle atrophy till you can get back in the gym and work out. See multiple surgeons and get different prices and different ideas on how they would tackle it. A surgeon who specializes in patients having lost 100+ lbs is an absolute must! Like maybe travel if you have to kinda thing in my opinion. Go see the ones with the big scrap books, in the peak of they're careers not the beginning of it. Don't take the free consult, most likely they're not the best in the business. Some people save a little money and time and get multiple areas done all at once, other people piece meal areas out one at a time and have a quicker recovery, but seem to get better/happier results that way imo.
I'd go for #2, personally if I was younger and had the money again I would. Now that we have the GLP-1's to help us stay compliant.