I was reading your post with interest, Nancy, and there you go and call me out!
I am pretty much in your same boat. I am not in menopause yet, but my periods are sporatic. I don't have any other symptoms (sweats, insomnia, etc.) so far. I'll be 53 in November. I don't have a "spare tire" yet, but I am noticing slight skin changes there (and elsewhere). I have fit abdominals and a pretty low body fat, as you do Nancy, but the skin just doesn't remain as tight once you hit your 50s. It's definitely nothing I can't live with, and is only noticeable to me, but it's there.
Personally, I think everybody experiences something different. So much will be dependent on genetics, body type and
what you put in your mouth!! I hope we're not in for a rude awakening, Nancy. But you can bet if I see it starting to happen, I'll be fighting tooth and nail!