Ugh I feel your pain. I have a lot of things to say. Genetics play a role in how many stretch marks you get, or if you get them at all, and everybody is different, so a treatment that might be miraculous on someone might be your worst nightmare. Keep that in mind.
First, the Clarins product is called Tonic Oil, but this product is used to prevent them before they appear or when they're first appearing. Once they're white then you should try other products. If you're curious, do a search online so you can see the price and also check out if you can read reviews before you buy it. Second, there are some areas of the body where you could get surgery to diminish their appearance. For example a tummy tuck can help diminish stretch marks in the abdomen and an inner thigh lift can help diminish the ones in the inner thigh. That's because when the doctor lifts the skin the areas where the stretch marks appear are also stretched out and look less noticeable. And you will be trading a lot of marks for a scar or two. However, that is not an option for all areas of the body. Third, Strivectin is a very expensive product (the price is ridiculous and the tube is very small) and it doesn't work for a lot of people. Again, online reviews can be helpful so do a search and read them.
There are doctors that specialize in stretch marks. Tyra Banks once mentioned that a dermatologist friend of hers (she never mentioned his name) calls himself "the stretch mark king" or something of that nature and that he sells a cream that supposedly gets rid of most of them (did some research about it and the product was very expensive; I even forgot the name of the cream). So some doctors make a living out of stretch marks only. Someone mentioned that there is a new laser treatment specifically for stretch marks and I've read that also, but I haven't had the time to do some research about it. As far as newer stretch marks and older stretch marks, it is true that the newer ones are easier to treat, but there some newer advances in dermatology and they're also treating the older ones now so we don't need to get stuck with those either.
I think that you should see a doctor even if you're not planning to do anything right now just so you can learn about your options. In my experience, I have tried many things and the most effective one was microdermabrasion followed by a good moisturizer with collagen and elastin, but when there are many areas involved it can get costly (I'm talking about doing it at home; I can't even imagine how costly would it be with professional microdermabrasion). My dermatologist prescribed a Lactic acid lotion for a couple of months and it was somewhat effective, but not as effective as microdermabrasion. I've gone back and forth with the prescribed one and my proved method though because my skin gets used to the treatments and I like to change it a bit.
I also have to say that it helps to have realistic expectations. You can't expect them to be gone 100%. Also if you have many areas maybe you can focus in the ones that bother you the most first and get treatment for those. Then as those areas improve you can start treating the others.
Last thing I want to say is that you've accomplished a big thing by losing weight. Don't let the stretch marks bother you that much. I know how it feels. Trust me I've been in your shoes before and I'm dealing with those same issues right now. Just know that there are many treatments out there and newer ones will be coming soon so you will have many options if and when you're ready to do something about it. Your focus should be on fitness and like you said toning up a bit. Even if it doesn't help with stretch marks it helps with health issues that might appear when you're older like osteoporosis. A good doctor can prescribe a cream so you can prevent new ones from appearing and start to treat those areas that bother you the most in the meantime and if you're ready in the future you can try more advanced options, but keep exercising and don't lose your focus. I hope my long reply helps. Take care.
