body shots?

[Metho_4u]

It cushions the blows so that your organs receive less impact, but it's not nearly as dense as muscle.

No it's not, but there is muscle under that fat too, which will make it even harder to be more effective. A guy who has been training (even if he is a bit chubby) still has all the same muscles under that fat, so he's not always gonna be as soft as some may think. Rule#1 NEVER underestimate your opponent.