Sorry I was sarcastic. I've been very crabby this week. The good news is I'm even crabby at myself.
Crusty, your question is a good one.
I can only speak for myself - and my own metabolism over a bunch of years.
There are a lot of threads about diet and nutrition here, with, naturally, a lot of arguments going on. One of the last best was one with a good long article in the New York Times; it was a Sozobe thread, I think. I'd recommend the NYTimes in general re food and health except that if you read more than twenty articles a month, any further articles would be charge a fee. (I've gone from someone who read maybe 200 articles a month to something like 16. Grrrr).
Basically, losing weight is much harder for some than others, and there are reasons for that having to do with metabolism mechanisms (I'll call them mechanisms, haven't taken biochem for a lot of decades).
I think both Sozobe and I are not keen on diets, much less diet fads. I'll back off on none at all, for people dealing with a great deal of weight. From what I pick up currently, it's far far better never to gain a lot of weight in the first place, re results of dieting.
I've long been a proponent of losing weight very slowly. Very.. slowly. That is what has worked for me, making dietary changes but not depriving myself of satisfying meals, my metabolism getting used to a new set point. But two other a2kers, failures art, and JPB, neither of them dummies, have written convincingly about their own purposeful efforts, enough to make me listen. Both of them were changing their styles of eating for the long term, and they did fast weight loss.
On stomach fat - dunno, that may require more specific exercise patterns; for me it went away with various changes in eating. (I don't avoid fat, use a lot of olive oil, but stopped with a lot of whitebread/cake carbs a long time ago now.)
The scaryiest fat seems (various articles) to be the fat the clings around internal organs.