I know people here say not to do gear at to high body fat, I kind of think this is not a big deal unless you are"fat". I have used gear at around 20-25% with no issues. This is my personal experiance. Of coarse the lower body fat will show off the muscles more. I have never been noticeably 'fat" though. I am just guessing about my body fat levels here. I have never had it tested to know for sure though. Also, I don't tend to bloat up, even when using dbol with test etc. Look at all the power lifters, most are way over 20% bf and are on tons of shit. This is only my personal opinions and experiance and will be different for different people