If bmi says you're obese, you very likely (~95%) are. The problem is that bmi only catches about half of people who are obese.

https://www.nature.com/articles/s41598-020-69498-7

I haven't been down in the normal BMI range since 8th grade. And I was measured at 6% body fat my senior year in high school! BMI has always run several points high for me. For that reason, I've always liked waist to height ratio better.

How about other categories, in either direction? I seem to remember it to be a lot less clean cut at the normal/overweight boundary.