Seeking info on Oregon PS & Panni pics

Hi all, it's been a while since I've been on here and I'm sure if I search through the hundreds of pages of topics I may find what I'm looking for.  But since I'm lazy I thought I would put it here and maybe find some miracle info that will help me!

I had a consult yesterday for a panni (that is all my insurance will cover IF they approve it).  In the consult, the PS pretty much discouraged me from having the panni.  After showing me the difference in what I would get with a full TT, I agree with him that I probably wouldn't be happy with just the panni.  So, does anyone have pics posted of just a panni that I can see?  He said with the panni he wouldn't be doing anything at all above my belly button and that it would probably be placing my belly button down around my pubic line...is that what happens???

Anyway, if my insurance will approve the panni, I can pay the difference and get the full TT.  Thus the problem...I've got a good job, but I'm not rich and do not have thousands of dollars in the bank waiting for a new home to go to :).  Has any Oregon people had any luck financing their PS?  If so, can you tell give me some information?  I would soooo appreciate any help or guidance that I get. 

Thanks in advance :).