Thanks for the feedback..
I do think it is physiological for me. My body responds better (Fat loss wise) to calorie restriction than to increased activity. Now that you bring it up, I did lose my period the two months during this time and it returned the last month when I cut back on activity and focused on diet but maintained the deficit. I was weighing and measuring all my food during this time.
Its a mystery
I do feel that settling point is more accurate than set point. I had been brainwashed by the myth of starvation mode for a very long time and never ate low enough to lose weight out of fear that my metabolism would come to a screeching halt or I would actually gain fat, then I started to realize my lack of progress was not cutting calories enough! I was so afraid to eat at 1200 calories and now I realize that is probably where I am going to need to eat to reach my goal and that's OK, I am not going to go into a magical starvation mode
I just think it is interesting that in my experience and through feedback from friends and sisters, exercsie does not seem to elicit the same loss as calorie restriction, even when all is equal....I could be wrong but I have never met a woman who manages to lose weight/fat through only doing cardio..