Really? I see comments that insinuate what I said in the original post on here every day. That's why I decided to post this thread...I didn't pull it out of thin air. Now I'll admit, people may not say things verbatim as I listed them, but that is the overall theme IMO. If I went through every thread on here where a guy talks about doing a cycle and he list his body fat between 15-20% it would probably take me years to count all the replies that tell the guy he should diet naturally first and then use gear.
The replies that you would be counting are the same ones i would be. And they would basically be similar to my recap. Using gear above 15% BF is not wise for the reasons already listed and supported. Again, i agree with you that is not set in stone but it's certainly a good guideline.
And I agree,
the more body fat you have the harder it can be to control estrogenic side effects...more fat more aromatization but
it can be controlled and it's really not that hard.
Which is it? It cant be both lol. Men who are 20%+ BF are prescribed TRT every day, and the heavier you are, typically the higher your TRT dose will be. However, with proper therapy each and everyone of these men reach a better state of health...granted, this is assuming there are no underlying health issues, that would change the game.
Im not talking about TRT designed to replace testosterone. Im referring to supraphysical doses.
It's also important IMO to consider unknown factors...things do not always work like we think they should. Here's another good example taken from
my own experience. I started using gear at 20yrs old and used heavily for 10+ years. Not once during any off-season phase did I ever have gyno symptoms, ED, acne or any other issue. Sure, I would get a little bloated but no serious issues. And believe it or not my entire time bodybuilding I had my blood work done every 16wks like clockwork....never had a single issue of concern. Now, the only time I ever had any gyno symptoms was in one case when I was at a very low BF, low single digits. I was able to remedy the situation. My point, body fat while an important factor is not the end all be all. Estrogen and related estrogenic effects can be controlled when you're at a higher BF...again, I'm not talking about obese.
Here's my own experience. Ive discovered that i cannot adhere to the standard protocols of AI's. That's right, i use i higher amount ALWAYS. And it doesn't matter whether im on TRT (which i am btw) or on cycle. My AI is ALWAYS dosed higher than any current standard protocol. But that doesn't mean that everyone else should dose it my way. There has to be a guideline in order for us to give safe sound and responsible advice to new AAS users. And to ME, 15% seems like a fair benchmark given the enormous amount of information available about BF, adipose tissue, aromatase, and AI's, sides, and consequences.
Where is the cutoff point? When would I say a guy is too fat to use gear? That's a hard question to answer. Youre right. But i did my best so far in this threwad. 
In the case of TRT I would say most men, even those who are significantly overweight would probably benefit from a good TRT plan...the benefits would outweigh the risk...morbidly obese this could change things, perhaps. As for actual cycling...I don't know if I have this answer. I don't buy into the 15-20% range is too fat to safely use gear, that I can say with certainty.