Waist to height is the only proven metric. And the problem with BMI is not that it is overestimating fat, it’s that it’s underestimating fat because it completely misses skinny-fat people, and the number of those is much higher than the number of jacked overweight not fat athletes.

Add to this the complicating factor that it’s really torso fat that is metabolically active and dangerous to your health.

Waist should be less than half your height, you don’t even need a measuring tape. Get someone to cut a string as long as you are tall, and see if it can go around your waist twice, with at least some extra length. If so, you are good, probably don’t have too much torso fat.