<< I didn't even know it was possible to have fat in those areas. The closest thing that I can think of are love handles and it's pretty easy to lose those. >>
Come on, you've never seen persons with a tell-tale "tire" around their mid section? The subcutaneous fat-pad under the skin of anyone's lower back is inordinately thick, even if you're thin overall. The exception would be athletes, or those with an eating disorder or something.
As for love handles being "easy" to lose, I can say either you have a genetic anomaly, you're young with a young metabolism, or you're mistaken about what love handles are. That area is one of the most problematic areas to lose for most adult males (those who want to lose weight in these areas).
If you've never put it on to begin with, except for perhaps a few pounds and an increase in one or two inches in waist size since you've stopped growing, then you've got it made, because that will be easy to lose.
They all said it would happen, and I said "ok, sure, whatever". My 'teen' metabolism gave way to an adult metabolism. I could eat and eat, and never gain a pound, like any male in their late-teens or early-twenties. Then, my metabolism changed while my appetite didn't. To add insult to injury, I have been less physically active or athletic in the last 5 - 6 years than I was at 21. ;-)
At the time I stopped growing around 17, my waist was 29-30 inches, with a BMI of about 24. I was on the muscular side of 'average', so my relative BMI was overstated by about 1.0-1.5 points. I was still the same at 23 years old. I had put on about 7 pounds, but it seemed to go all over pretty evenly instead of around my waist.
hehe, today, I'm 30, with a waist of 35-36, and a BMI of 28. Something happened, and it wasn't a spontaneous growth of muscle. ;-)
There is a REASON they call certain areas 'problem' areas, and love handles are an extemely common 'problem' area for those trying to lose weight.