Thanks for the replies.
Just to clarify where I'm coming from: I'm 40, have a bad spine, and started my fat loss at about 24% BF. I also have other things that require my focus and willpower, like my business.
In other words, I'm not 25, looking to get shredded or win a powerlifting competition.
My main interest is "achieving a healthy and good-looking physique for the average, busy, middle-aged guy."
I do realize this is a forum for those who are "serious" about their physique, so thanks for putting up with me.
Dan John says that achieving some qualities is easier than others.
Gaining strength: Easiest of all
Losing Fat: Somewhere in the middle
Gaining Muscle: Hardest of all
Also, from what I have read, it takes a lot of work to BUILD muscle but very little to MAINTAIN it (dat muscle memory, yo).
For strength, yes, it's a little easier to keep improving on it more easily, because a lot of it is neural adaptation.
My view (which I ain't trying to impose on anyone) is that the minimalistic approach to fat loss is:
"Do the minimum amount of exercise needed to maintain muscle, and then just eat less (with enough protein to maintain the muscle)".
I have to say that, right now, I'm losing fat, maintaining muscle and strength, and it doesn't even appear to be that hard.
I think the following supplements are helping me:
Caffeine: Suppresses appetite
Glucomannan fiber: Makes me feel fuller, suppresses appetite
HCA: blocks carb absorption
Chitosan: blocks fat absorption
I'm just saying that it's easier for me to focus on getting my diet and supplementation dialed in, rather than "leaving it all" in the gym.
Different approaches work for different people, and that's fine.
Thanks again for the replies!