If a gal is 18-25 baby fat can still be present because she still has not matured into the woman she was meant to be body wise. Kids grow into their skin at different ages.
For a lady that has just had a child and has a little extra in places I consider that baby fat to a point.
I don't put a weight on starting point of things because breast size, body tone and such can play a major part in weight.
Example: 5'4" and never works out, no butt and A cup probably 110-120 works out daily 115-125.
5'4" and never works out no butt and B-C cup 115-125 works out daily 120-130.
5'4" and never works out no butt and D or larger 120-130 works out daily 125-135.
5'4" and never works out, nice butt and A cup probably 115-125 works out daily 120-130.
5'4" and never works out nice butt and B-C cup 120-130 works out daily 125-135.
5'4" and never works out nice butt and D or larger 125-135 works out daily 130-140.
So outside of the above to areas i look at a lady by what in my mind is ideal weight and this is different for every gal and guy. To me ideal for a lady is when she stands naked with her arms at her sides she looks great! When standing at ease like that I don't want to see her rib cage(too thin for me) and a nice curve to her ass is nice!
Taking that image(height, weight, boob and ass size) into account if she were then;
10-25 pounds over that image, probably baby fat to me.
25-50 pounds over that image, probably BBW to me.
50-75 pounds over that image, probably flabby to me.
As my header states, AGE matters as well!
At my age and having lived through seeing ladies my age move from their teens to 50's, most ladies if they looked great at one weight when they were 18 they look VERY thin at the same weight in their 40's and 50's! They can carry that same good weight MAYBE to 30 before they start looking too thin.
That is the best I can do to explain how I look at a lady per your titles.
TMT
Comment: Most of the ladies I have met if they say they need to lose weight, looked good and those that felt they were perfect probably were a little too thin.
To me models of today are TOO thin