Waist vs Lower belly circumference, which is most important when it comes to health?

My waist circumference above the belly button is 31 inches. I am a tall 5'9 female with longer legs than torso. I am bottom heavy, my friends always joke, thaylt from the waist up I'm 120lbs & from the waist down I'm giving my actual curvalicious weight of 200lbs lol. I feel like I carry most of my fat in the lower belly & lovehandles & when I measure my lower belly I'm at a circumference of 40inches which is basically measuring at my hip bones if that makes any sense. My question is shoukd I go by the measurement when looking at healthy belly measurements?
Waist vs Lower belly circumference, which is most important when it comes to health?
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