Hi Trixie,
I'm sorry to hear your girl is groomer-shy. Now that you have her used to your doing it, you might be able to find a groomer that will work with you and the dog. Meanwhile, if the choice is between mats on her belly and a shaved spot, go for the shaved spot. Those mats can cause real pain to the dog and they just get worse.
It's amazing what you've been able to do -- keep up the good work!
kjd
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