do not worry so much about measurements....yes, you never know where it will settle because we're all different, but don't feel bad about what your measurements are now--they'll soon change ;-)
you can't really set a goal because size depends on what your frame is like--what were your measurements growing up or when you were at around your goal weight? That might be a better indication of what is a good goal.
Oh, and to try and make you more comfortable, I will share with you my waist measurements: started with 38"(!!!) and it is now 29.25" and working on it!
and my body fat % is still 32% eeee! lol so I have still quite a ways to go. Growing up I was considered 'fat' with a waist of 27.5", so maybe I can be smaller...who knows. I am just thankful it is no longer 38"!!! Think about this slimming down business like you're opening up the most awesome Christmas present ever.....VEEERRRRY SLOOOOOWLY.