Obviously everyone is different. The way I interpret it is that we all have chemical receptors to instruct our bodies how to behave. Everyone naturally has either more female or male, or some combo that result in mixed results. This is why some cis females have facial hair problems, or why some cis males have virtually no body hair. I think the same principles apply to body fat. My body seems to love to redistribute body fat to female areas (butt, thighs, breasts) ... which I love. This confirms to me what I have always believed, my body was simply waiting for the correct chemical activity (HRT) to become who I know I am. As far as what is normal? I don't think there is an answer to that. It just depends on how your body reacts to hormones and the quantity of what chemical receptors you have. I don't think chin/neck fat is gender related, more just generically biological. Plenty of cis women have chin fat issues. Perhaps it's more of a muscle loss issue as stated above, or some other combo. In general, if your body has enough female chemical receptors, most body fat should be redistributed to your butt, thighs, and breasts.
The only other thought, if you drink too much beer, it does deposit fat to the neck. 😮
