??? That's what I think every time you mention that you are pudgy.
On what planet are you pudgy? You're lean! You have absolutely no tummy, and look very fit overall.
Just saying.
I'm pushing 30% body fat and weigh 153 at <5'4". I could stand to drop at least 20#s. It kills me on the uphills when I ride with slimmer folks without so much excess dragging them down the hill.