BMI can often be misleading. It disregards bone structure, muscle mass, and several other factors.
I would consider the transition between chubby and fat when someone can no longer hide being overweight by clothing choice, clever posture, and sucking the belly in.
I would say the transition between merely fat and obese is when your weight starts imposing limits and starts making some things difficult, like tying shoelaces, or fitting into places.
5 years