(I'm ignoring the fact literal BMI is a poor measure and BF% should be used instead to properly account for the vast variety of body shapes and sizes which have healthy BF% but don't align with the very out-of-date BMI charts & studies.)
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"fat and muscular" still means you're fat. Carrying excess fat is indicative of having metabolic syndrome and the many issues associated with that (chronic inflammation, insulin resistance, etc).
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BF% is hard to measure. Different manufacturers use different models to map resistivity data to BF%, so for the same person one can get rather different answers.
Resistance based measurements are pretty poor especially with only 2-4 points of contact, the accurate ones are displacement based like bodypod and X-ray based.
I’m actually surprised that this isn’t something that people have thrown ML at yet, it seems like a problem that an IR camera with 360 degree body imaging and a good model might actually be able to solve.
Agreed, resistance measurements are not great.
At the minimum, you need a friend to use calipers on you, and take those measurements over time to see trending and averages.
Even better is a dunk tank or Dexascan to get actual numbers from direct readings, most cities/universities have such facilities but not as accessible to everyone. In a perfect world it would be part of your annual physical, but they still use BMI charts :(
DXA scans are accurate to within 1% and are now available in most urban areas for about $50.
So about $250 with insurance.
No those aren't generally covered by insurance. You just pay the test company $50.