lol I use the term thunder thighs in regular vocab.
But as for the rest of it, I just call it how I feel depending on what day it is! Some days it's my "ugly back fat" and some days I have "cake top" because let's face it, I'm bigger than a muffin.
It's almost always in good humor, I just can't wait till it's all gone!
This post made my giggle! I love hearing that we all have silly things we refer to fat as!