Yes yes yes and YES!
Muffin tops. OMG. I have actually found something that helps - "Suck it in pants!" Those big unattractive cream pants... they actually work! I love them when I go out clubbing, although I do cringe when people touch my lower back (or my bum. Though that doesn't happen much now I need super-pants. :P) Also mid-rise jeans and skirts are great. If I can get them to cover my belly then I feel much more comfortable.
I have biiig calves too. And that bit of chunk on the inside of the knee that sticks out and makes me look like my knees are on the inside of my leg. OH and the little bit of fat that hangs over the knee cap. I can lift it up and make it talk...
Yea, I sound attractive. :P
Can't wait til these things all go! And I'll be able to wave again! (I hate waving. I can literally feel the fat on my arm swinging as I wave)