You are not alone. I felt the exact same way before I had my gastric bypass. Worried about loose skin and flabby arms. I actually felt a bit of comfort and security in my fluffiness. I'm only a month out from surgery but I envisioned myself getting a trainer and toning, strengthening, and building muscle (I have never been fit but always saw myself as that person). I think what helped me is the fact that I won't have the lower back/hip pain and other issues that stood in my way. Like you I don't know how I'll be able to afford plastic surgery but I have definitely made it a goal to save towards down the line. One of my friends told me you have to love and accept your body at every stage. I know the changes may be hard at first but with acceptance and patience, we'll get through it.