I've always been told I carry my weight well. When I weighed 225 and people would ask me how much I weighed and told them they would all be like "No way. I would guess you to be about 175-190 (somewhere in there). Even when I ballooned up to 250, people still guessed 25-50 pounds lighter. It wasn't until about 280 and seeing pics of myself that I believed I was that fat.
Now I have good days and bad. Some days I think, "Wow I'm looking great" and the next "have I put on some weight?"
as for being naked when I'm lying down, I think I'm skinnier (all the fat kind of dissolves into the mattress

) but standing up and passing a mirror, I don't really think I'm fatter naked. I've learned to accept my body how it is. I would love for my baby belly to go back up and be somewhat flat again but I'm sure that's another 50 pounds away or more.