Is your waist measurement greater than 40 inches, and is your HbA 1c greater than 6.0? If not and you are not experiencing metabolic syndrome, your experience is not relevant to the problem.
I don't know anybody with body fat of 10% or less who has a waist greater than 40 inches. LOL. My waist is the same now as it was in college, about 32 to 34 inches depending on whether I'm currently in a bulking or shredding period.