As a former fatty I've been on both sides of this dilemma. Dealing with boy boobs, GID, and H/S all at the same time is no treat! Throw in large dash of girlie hips to spice things up even more. In the quest to be "normal" I dropped about 100 lbs but still kept most of the hips, some of the butt and part of the boobs. Like I needed to know that my fat loves to hang out in those places. Proved out whenever I am taking estrogen.
I also remember reading somewhere, and don't quote me on this, but essentially something in fat will take T and convert it to a type of estrogen. That helps to explain the man-boobs on fat guys.