If you are chunky around the middle.....that is fat. But I am plenty fat, and wear tight fitting cycling gear. It just seems to work better(jersey pockets and aero). Frankly I don't care that it isn't flattering. It isn't like I wear it to work or the mall. And, I find that the fact that I look ridiculous in it inspires me to work harder. Maybe it will inspire you to lose that last five pounds.