I couldn't afford the panniculectomy at the same time as mine, so I get your feelings about that part. Just get through this for now.
Expect to be pretty out of it for at least a week, more like two. I started back to work at 16 days post-op but really took it very easy (I work from home 3 days a week and my supervisor let me flex the whole week that first one back). I have a mostly sedentary job.
You're going to hurt when you wake up. Bad. Take the pain meds. Take the pain pump if they offer it. Find out how many hours apart you are allowed meds and ask early-ish so the nurses have it ready for you when it is time. seriously. Drink water. Walk when you can, expecting it to hurt like holy hell to even breathe for the first couple of days. Cry, bite your tongue, take your meds, and move around. It will help in the long run.
Make sure they're giving you colace and ask for Miralax if you tend toward constipation, for the opiate induced constipation.
Good luck! and keep us posted on your recovery.