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@gbj_tester
No, it's much simpler than that. If you just scale up a body, the mass (and therefore force pushing it down the hill) tends to rise as the cube of the scale, but the cross section (and therefore aerodynamic drag) tends to rise only as the square. So, if I'm 10% bigger than you, I might be 30% heavier but only have 20% more drag at a given speed. Terminal velocity is the speed at which the force pushing me down hill (weight) balances the force holding me back (about 90% aerodynamic drag at 40mph), so it will be higher for the fat bloke.