alright, I'm a throw in my 2 cents ...
1. I've no 1st or 2nd hand experience with lipo, or other cosmetic surgery.
2. I have nothing really against it .. although I really think that, unless someone is rather wealthy, that it should be done as a last resort, as in, all other options exhausted.
now, I could be wrong ... but I suspect that, given your realtively-healthy-already body, some cardio and some patience would save you thousands of dollars and possible risks.
After giving that a really fair and honest chance, and then even more persistance and patience if needed ....
only at that point would I really endorse going under the knife.
now, I don't know where you are in all that process, you don't really say, and I'm really trying to not make assumptions...
I'm not going to suggest you just 'accept' it ... as I would then be a hypocrite, as I would/do not accept the things I can change that really matter to me.
That is all