Most Helpful Girl
You're right. We set impossible standards for ourselves. Like the girl you mentioned, she has the same issue. You and virtually nobody else would think she's not attractive because of a little belly fat.
My guy is muscly and big. But he has a belly. I love his belly. I often bite it just 'cause I can.
Most Helpful Guy
If your body is super perfect, people will assume you don't have a real job and you most likely are dependent on someone, (you need to work out a lot for the body you described), no woman would want to be with an unemployed man; but they would be willing to deal with a little body fat. Taking your shirt off is really just unattractive to girls, unless your muscles are like this guy: t0.gstatic.com/images and even still a girl will assume you live off of unemployment.