I have both my top and bottom navel pierced and I absolutely love them. They were my first two major piercings other than any lobes.
I can actually say I did not feel either of them one bit. And I don't have much skin around my belly button either. They said to take a deep breath and then all of a sudden they were ready to thread the ring through. I never would have known it was already done.
I highly recommend the navel to absolutely anyone, especially as a starter piercing. It's really easy to clean and take care of. I would also suggest not getting a dangly barbell as a first ring. It's not the greatest when it comes to healing. I'm pretty sure most places won't pierce with them anyway but just some advice.