What is your opinion on a little bit of chub?

Hi there! I am 5'3 and by no means a supermodel haha. But I also am not overweight. What I'm worried about is the fat on my thighs, butt, and stomach. There is enough there for it to be noticeable. What do you (guys especially) think about a small bit of chub? Be brutally honest, people! Also, what can I do, besides losing more weight, to tone up and get rid of that fat?
What is your opinion on a little bit of chub?
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