There is such a thing on the weight lifting sites as looking good naked as a goal, however that is not the same as what a physician might consider overweight.
That is if you poll medical folks outside of folks with drastic stomach fat, someone with a slight beer belly is not going to get your Doctor too excited. Or perhaps the lady with cottage cheese or saddlebags could be considered the same. So while a some men might consider her fat, her Dr. is probably telling her she’s fine. Have a walk everyday and don’t sweat it. There is no true need for 6-pack abs unless you are an athlete, (triathlete), or want to “swing” with other hard bodies.
I still fall under obese because I’ve put my kid’s activities ahead of mine when in reality a 45 minute walk a day would help a ton (especially when in a ketogenic state). Ironically I’d be able to do even more stuff with them.