Guys opinions on stretch marks, belly fat and discolouration (my insecurities)?

I actually have a couple of questions:

1. What do guys think of stretch marks? Honestly their a huge insecurity to me, I'm toned and quite slim but still have stretch marks around my waist and thighs. I guess it was a myth that if you work out and moisturise well you don't get them.
2. What do guys feel about a little belly fat? Again, I work out but for some reason the rest of me is in shape but I still have a little belly fat. I asked the lady at the gym but she said you can't specifically target belly fat, working out tones everything.
3. Do guys notice discolouration? Using shaving creams and hair removal products have caused discolouration only around the bikini area.

These are some of my insecurities, of course that's not to say that these are bad things for anyone that also relates, but I'm just insecure of it about myself.
Guys opinions on stretch marks, belly fat and discolouration (my insecurities)?
Post Opinion