In men yes, women not so much. I'm going to horrendously generalize but it's like a 70/30 split between visceral/subQ in men and vice versa in women. This is why (high T) men can develop these 'bear fat' physiques (but die at 55)...low T men (and fat is feminising) end up turning into these gendermayokin things....basically testosterone has something to do with where you store your fat. Storing your fat in the hip/legs/butt area is somewhat protective but it does get to a point where the body goes 'fuck this noise' and just shoves it anywere. It's also why you tend to see slightly more old fat women than you do old fat men. Like I said, men because of test, store fat predominantly on/between organs which kills the body. Women, storing most under the skin and off organ up until after menopause (where the fat storage becomes more male like) don't suffer this effect and usually on reaching menopausal age have accumulated as much fat as they are going to e.g. lifetime dietary habits are set and too a co-morbidity associated with visceral fat is going to take longer than you're going to see one associated with DM2 from a lifetime of chronic elevated blood sugar. Peeeeeersonally I don't see a significant issue with the image on the left, I'd describe it as the upper reaches of a healthy amount of bodyfat for a female (to the effect that about another 7lbs and yes, we're getting into the unsightly).