Because of this additional stress, extra weight, even from fat, may reduce the risk of osteoporosis, even though extra fat may increase other medical risks.
However, the medical risks may not be the real issue in terms of how difficult it is for many people (especially women) to talk about it in a non-anonymous situation. Rather than purely being a medical issue, weight / body fat may be seen as a proxy for appearance, social desirability, and social status, so people (especially women) may feel like they are always competing and are never “good enough” (note how 89% of women wanted to lose weight in the 1997 survey, when “only” 47% of adult women in 1997 were overweight or obese by BMI > 25). It may be analogous to how people try to competitively signal wealth by conspicuous consumption, or how high school students do all they can to try to gain admission to prestigious universities to signal intellectual strength.
Yes, but that is not really so much subcutaneous versus abdominal fat as much as people who are within normal BMI range with low muscle / bone weight and therefore high body fat percentage, with associated medical risks. This is sometimes called “normal weight obesity” or “skinny fat”. It may be more likely to happen to those who lose weight by dieting without exercise, resulting in mostly muscle loss.
Similarly, someone who is “overweight” by the BMI > 25 standard who is highly muscular and therefore low body fat would not be at increased medical risks typically associated with high body fat. But that situation is relatively rare in the general population.