My Mum never got one & still has a decent figure 3 kids later NO stretchies, My older sister never got any att & I didnt get any at all on my tummy, but underneath my breasts I have a few white/silver fine ones...
Going from a C cup to a GG cup I guess its' no surprise hey!!!

But with Indah I got a few on tops on my thighs & on my hip top of the butt, love handle area I have a few...

But my friend has the worst, her entire tummy is black & blue with this, deep dark pitted stretchies & taht was after #1, she has had 1 more since & I had none with maddy & she asked to see whta my tummy looked like so I showed her & she burst into tears, then showed me hers & I was in shock that pregnancy could cause that, coz I had only really seen my Mum & sis after babies...

I cant imagine what hers looks like now...

I have to say we never put anyting on our skin either whilst preg, just Mum told me dont scratch as it can cause broken skin which turns into stretchies so I did not scratch whilst preg..
But really I think a baby is worth some stretchies!!!!