I'm doing my best to be in denial about the inevitable upcoming stretch marks. I have tons and tons and tons from puberty-- the bane of my existence. They cover at least 60% of my skin from my knees to the tops of my hips. I have a few on my breasts/underarms and just a couple tiny ones on one side of my belly as well. Of course, they're all completely faded to silver by now, but it stinks that there's nothing that can be done about the texture issue... and nothing proven to prevent them, either (don't get me started on cocoa butter!)
In my case, it's totally genetic-- though not from my mom, who has almost none. But my dad and brother have plenty, too. I just KNOW I will be getting some new ones on my belly with this pregnancy, especially as my waist is currently 43.5 inches and I have surely 7-10 weeks of growing to go. Normally (past 5+ years) my waist ranges from 28-30 inches, and even at my pre-pregnancy heaviest, wearing an 18W, my waist was never above 36 inches. I don't see how I won't get them. I'm kinda surprised I don't have any yet, but I'm under no illusions that they won't pop up-- probably right when I'm thinking I will escape without them, like at 39 weeks.
If it's any consolation, I was once discussing my self-consciousness about my stretch marks with an artist friend of mine-- as she was painting me, nude. I said that was my biggest issue with disrobing in front of artists/students when I first started modeling, and she looked at me and (seemingly genuinely) told me she had never even noticed my stretch marks before. She might have been blowing smoke-- considering how hyper-observant she is as an artist, and how extensive mine are-- but it made me feel a little better. It probably isn't quite as bad as it seems to us, anyway.