@raptor: thanks, yup, it's interesting, lets see what happens next.
@entropy: so this is what we will do? i will post in your journal that you are overestimating your bf and you will post in mine that i underestimate mine? Makes sense though, i bet the truth is in the middle.
Now seriously, i have this ( along with a few others ) visual bf guide downloaded and inspected. My body is weird, all the fat seems concentrated on lower abdominal area. It probably is not visceral, because i have done all those tests ( waist/hip ratio, standing vs lying waist ) and they indicate i don't have excess visceral fat. It is just how i am built. My waist is 3-4cm smaller at the shortest circumference, which is 3'' above navel. What i report is the largest circumference, which occurs just around navel. My muscle 'toning' currently is pretty much like the 15% pic, maybe better, but from navel and below it is like the 20%, maybe worse. Not bloated like the 25%, just 'love handles'. From what i read ( not sure if myth or not ) , the older you get, the more you tend to concentrate fat in belly. And i am old. Being a social ( or a bit more than that ) drinker for 20+ years doesn't help either, lol. So maybe it is not that accurate to judge my whole body bf from that area. I doubt i am 17,5 or above as you say, but then again i could be, who knows. I don't care that much about the number per se, but more to continue improving: see the BI and online calculated bf readings and mirror test go down as i lose weight so i know i am on the right track.