As a FFB I hear you on the love handle issue. It's really frustrating. I can start to get veiny in the arms and so on, but the love handles are sitting there laughing at my efforts and messing my with shape.
There's a fairly new ultrasound treatment which actually destroys fat cells (once you get fat and your fat cells multiply, they never really go away again). Since it isn't invasive surgery, it's something that I might consider saving up for.
People can call you lazy or whatnot, but different bodies have different natural "settings". Perhaps with anabolics or other serious effort I could get rid of them, or perhaps I wouldn't have them if I'd never been fat, but I don't think I'm willing to be saddled with the bastards forever.
I know a lot of people get bent out of shape about these things, but personally, I think that if you've spent years achieving a muscular and lean shape, but due to the past your body won't cooperate, then it's fair to consider extraordinary means. It is your body, the opinions of other people aren't important.
However, I'll decry the easy way out as well when people haven't put in the years of effort to find out whether or not their body will respond to reasonable efforts.