M., I can definitely relate. I am a 30 year old with 2 boys (12 & 10 years old). I have had the loose skin and stretch marks since giving birth to my oldest when I was 17 and I have learned to get used to my stomach looking that way even though it is not the sexiest look! LOL
I have a very flat tummy, and you could never tell with clothes on, but naked is a whole other story. But anyway, after 12 years, I decided that I wanted to wear a bikini, wear something sexy for my husband without strategically placing clothing over that area, or hell, just wear a shirt that I wouldn't be worried about showing my belly when I raised my arms! :-) So I recently went for a consult to have a tummy tuck. This is the ONLY thing that will get rid of the loose, sagging, skin. No, I'm not doing it for the hubby, he could care less and has always told me that he loves and adores my body. I am doing it for me (I wanna see my belly button again!)
But seriously, give it some time to sink in (you're still a new mommy)and if it still bothers you a couple of years down the road, re-evaluate your situation and make the decision that's best for you!