Am I a little overweight or really overweight?

Depends where you carry it.

Distributed ok.

All in the gut,... or all in any other place, eh - time to hit the gym.

My roommate is your height and 210. He is a big solid guy. We work out a lot cause he wants to tone, but honestly it depends on how you are built. 210 on him is fine (he could play football).

If your really worried, try talking to a trainer and they can coach you on how to shape your body based on your shape / size.

Best wishes.

190 is probably not too bad. You should make sure to keep your weight under 200lbs unless you're gonna play Center for the football team.