Anne, I think you look fantastic and I would kill for your flat stomach. I know it is hard to see anything except your supposed "problem areas" when you look at a picture. I have the opposite problem - when I look at photos, even now after a breast reduction, all I see are BOOBS, and I hate it. I wouldn't wear that dress you dislike because it would make me feel much too busty.
I guess that's my way of saying often it's not our body that needs adjusting, it's our eyes and mind.
And this is coming from a middle-aged mom who has gained some weight recently due to lack of exercise (an injury, laziness, lack of time) and just some slowing down. I have a hard time looking at myself in or out of clothes every day right now and I undesrand completely how you feel about not being in your exercise routine.
You need to know that you are absolutely gorgeous - I have a good friend who looks like you and every time I see your photos, I smile thinking of how lovely both of you are. You look great to me in these photos, especially the white top.
At the same time, if you truly don't like something and it makes you feel bad to wear it, don't wear it! That's my strategy for feeling better about myself.