Thanks Ms J. It is just a bit of a pain to read it after quite a bit of effort!!! Bloody internet!! LOL
Alialias - I am not muscular (yet!) best description would be skinny fat at the moment - as most people on here are - biggish legs and weaker upper body. I am working on it though!
For men aged 20-39, the healthy range for body fat percentage runs from 8% to 20%, and for men aged 40-59 it’s 11-22%.
http://www.coachmag.co.uk/exercises/lose-weight/3809/what-is-a-healthy-body-fat-percentage
Of course being superlean but not exercising may be less healthy than a small tyre and exercising, so, it's only a factor of health.
You seem to walk/run/do sports a lot I wouldn't worry! :)