Right Wes that's the bottom line.
Use a mirror.
This^^^According to that calculator I'm going to die.
If he was small boned he wouldn't have a/large wrist. How can a heavy set guy be lean?
Clothes can be a good indicator too... Altho sometimes i think I'm loosing too much weight, but then I remember the clothes are just slack from females pulling on them, then I rest easy...
Use a mirror to evaluate your body fat percentage. On the other hand - to have a better approximation you can use this picture (Taken from body fat percentage chart). Hope it helps.