Hi Gaetjens,
I know how hard it can be to lose weight. At the beginning of January, I took measurements and began logging my journey here. You can read my posts by going to my profile.
Here's a post I wrote in January regarding BMI and Body Fat. And here's a follow-up post from April where I measure Body Fat again.
In order to estimate Body Fat percentage you need to know your weight, height, hip, calf, thigh, and wrist measurements. Use a plastic measuring tape for this to get a more accurate reading.
I don't know if you used the BMI test here at HealthCentral or elsewhere online. But you can use our BMI calculator here. That will get you a more accurate result than 97% body fat.
Regarding losing weight, definitely talk to your doctor about it. The fact that you have high cholesterol and are at risk for diabetes means that you should try to do something about it. I know, much easier for me to say than it is to do.
I have found that sharing my journey in public has been really good for keeping me honest and on track. Maybe you might want to try something similar. It doesn't have to be online or in a public forum; try keeping a journal at home.
Weigh yourself weekly on the same day at the same time regularly. Remember, only one day per week though. Keep track of what you eat and try to calculate the nutritional values. Read labels, which can be very eye-opening.
Maybe read my posts and if you have questions, please feel free to ask.