That back shot is revealing, but I still can't agree that she's fat. She's simply not toned. I don't see those arm fat folds you list. She definitely atypical of most lingerie/underwear models, but she isn't fat. YET. I agree, as a bigger girl, she definitely would turn into an absolute pig if she let herself go. She's nowhere near that in the pic. My problem with her is the elongated torso and flat ass...
"The best kind of pride is that which compels a man to do his best when no one is watching."