Friend of mine weighs about 250, is 5'4", and stores fat primarily in her ass and thighs. She gets winded super easily as shes not nearly active enough. She visibly waddles and is super slow.
I have a family member who weighs 100lbs more, stores it mostly in her belly, and while she waddles and is slow, she has plenty of stamina. Another member still is 50 lbs heavier, stores it in their belly and ass, and gets exhausted super easily because they dont eat right at all. No vegetables or fiber. All carbs and meat.
It really does depend on height, weight, build, and lifestyle.