BMI is confusing me.  According to all the online calculators, I am obese.  My BMI comes out to just above 30.   (I'm 5 3 and 171 lbs)  I know I could stand to lose a few pounds, but I'm really struggling with the idea that I am obese.   All the calculators include a disclaimer about not being 100% accurate, especially if you are a body-builder or are really muscular, I have muscles, but I wouldn't say I'm ripped by any definition of the word.  Are there any other guidelines I can look to for clarification? 

I know I could go talk to my doctor, but I feel like if I told my doctor I thought I was obese he'd start talking to me about body image, treat me like a little girl who thinks she should look like the models on TV. 

some additional info - Female, 25 years old, Height 5 3, weight 171 lbs, waist 31", hips (biggest part of hips/butt) 42", wrist 7.25".  Oh and I'm all torso, my inseam is only 29.5 inches.