Well its a bit of both to be honest. Im on a weight loss group who are all ages, sizes, races, sexes, some of whom have never been the right weight and some who only put on weight recently etc etc
You can see some who lose masses of weight, 10 stone or more, yes they have a bit of sag but nothing extreme, being able to wear shorts and t shirt for example
Then you see someone who has lost similar, or perhaps less and yet has a large about of skin.
The speed at which this weight has been lost is all the same, its about a stone a month (although mine is a lot slower)
Its true it seems the younger the loser, the less likely the skin issue. Also black skin generally has more elasticity than white skin
Now for me, I do have lots of skin so far but I find that this fluctuates in terms of how it looks, it seems to go through phases, Im still losing. My face for example, sometimes it seems like its more saggy than usual. Then it will suddenly change and look tighter. Its likely only me that can see this, not others.
So the conclusion I come to is that this is the normal way of it adjusting but in a couple of years it wont look like it does now.
I dont think I can put myself through the plastic surgery needed to get rid of it all but I am not saying I will never do it, Im not ruling it out.