Need Expertise..Females, despite Lifting, Cardio, etc..who has stubborn thigh, hips and buttock fat

Male or female responses wanted..

I do not normally create topics in the MFP forums and there is a topic of great importance to me, as I am an approaching middle age women 48 years old (peri menopause) who has been strength training, doing cardio and various mix ups in dieting and exercising to all accomplish really one goal now that I lost 15 pounds which is to get rid of or at least minimize the stubborn butt, leg (inner and saddlebags) and hips.
Let me iterate, I do not need to lose any weight. No weight what so ever.

1) have been lifting and cardio for 13 months. I lost 15 pounds and I have built me quite a bit of lean mass and strength, but the stuff mentioned above will not go away.

2) I have eaten in surplus to bulk, I have eaten at a deficit to loose fat. Right now I am what I call trying to cut by creating another deficit to loose fat (trying again) and I am getting leaner but I am in another cycle where the stuff mentioned above will not move.

3) The past 11 months has not been a failure as a matter of fact things have changed and mu body completely changed in a great way, except holding on the stuff!! LOL

4) If I have not already, I would like to mention I know all about the weight loss is not linear and cannot spot reduce… THIS IS NOT WHAT I AM LOOKING FOR..

Not to go into my programs, etc., what I want to do is open this topic for those not only in the same boat but would really like to understand this issue from those out there that have successfully beaten this beast or is at the moment.

I keep seeing article on the web that points back to the following (for example)..

1) Subcutaneous fat is far more stubborn compared to visceral fat. DUH!

2)Subcutaneous fat is stubborn because it is more reactive to insulin, has lower blood supply AND has more alpha receptors

3) Visceral fat is less stubborn because it has more beta receptors, greater blood flow and is less reactive to insulin

4) Female subcutaneous fat in the lower body has about 9 to 10 times more alpha receptors compared to male lower body fat

5) The place on men that is most stubborn is the lower belly fat and love handle area

6) The places that are most stubborn on women are the saddle bags, inner thighs, butt and lower belly fat.

7) Stubborn fat is stubborn is due to poor blood supply. Both the fact that it is in colder areas AND has more alpha receptors make this so

8) Stubborn fat is impacted directly or indirectly by many different types of hormones. These hormones have varying effects on the activity of HSL and LPL as well as alpha and beta receptors

AND

In order for fat to be lost from a particular area the following events need to occur

1) Fat needs to be released from a fat cell (this process of fat breakdown and release is called “lipolysis”).

2) Fat needs to be carried to another cell through the blood stream (poor blood flow to an area means slow fat loss from an area).

3) Fat needs to enter another cell to be burned (this process of fat actually being burned is called “lipid oxidation”).

4) Just because fat is broken down and released (lipolysis), does not automatically mean it will find its way to another cell and ultimately be burned (lipid oxidation). It could be restored and this is often the case in people who are very insulin resistant.

Etc… Etc.. Etc..Etc... Etc...

What this boils down to hormones and the way woman store fat. Yeah?

Any one, have knowledge or expertise in beating this demon or at my age, am I beating a dead horse, and should accept perhaps there is a set point here to acceptance?

DOES THIS TAKE YEARS, and I need to keep doing what I am doing?

Any ideas on how to approach this?

Now Go…. And btw, thanks for the responses.