Exercise or surgery to loose excess?

My legs, hips are all mushy. I have lost 105lbs since my wls 8/2006. I have been maintaining my weight and maybe would like to loose 5 -10 more. My spouse thinks I can firm up and not need surgery. I think I could some but not enough to get the excess mushyness gone. I have exercised since 9/06 present. Not really hard excercise. I was thinking of having a personal trainer before I consider any surgery to firm up. Anyone out there tried the excercise route and did it help much?

I have exercised and exercised. I notice that if I stop working out for a week or two, I look heavier, even if I haven't put on any pounds. Exercise definitely helps. That said, I don't believe anything but plastic surgery will take the loose skin away. I work out! I do kickboxing with 5 pound hand gloves and I feel the muscle, BUT I have more loose skin on my arms than my grandmother and it won't go anywhere without surgery. But I'm TOO SCARED of the pain. So to answer your question, I think excercise definitely helps, but surgery would probably give you the look you want, I bet. I'm not an advocate for surgery, cause like I said, I'm not doing it!