Friend got the sleeve first, lost half what the doc wanted, then started the med and did great on it. She said she didn't regret the surgery because it kicked off the whole journey. Sometimes we never know when something clicks and the work finally pays off.
2.5 years for 65 lbs is the slow and steady version that tends to hold. 95 lbs with still changes every week is the fast version at a different scale. Both end up at the same place eventually - you're clearly still moving.
Referring to studies and trials rather than anecdote is the right approach when the guidance is limited and the decisions are dose and protocol-sensitive. The OP at 95 lbs is in the range where the published data starts having less to say about individual experience - you've gone further than most trial endpoints. Year and a half is the timeframe worth tracking as a milestone.
100 lbs in a year at a measured pace is actually a sweet spot that tends to minimize loose skin vs a very rapid loss. There will be some, there always is, but the strength work you do alongside determines a lot of how it looks. The health risk reduction is so much more important than the skin concern anyway.
Starting the cycle at 12 and 95 lbs down now is such a long path to have traveled. Giving away the fat clothes is the commitment move - that's not an accident, that's a decision. The 'have to keep it off this time' framing is the right one.
Walk an hour daily and still drop 1-2 pounds weekly. Don't exercise otherwise, genuinely hate the gym. Twenty percent's exercise, eighty percent's food. Make sure eating habits are actually improving.