[MrsKathryn]

For example, I loose fat on my breast and my tummy fairly easily, but it stays forever on my thighs (life’s a bitch sometimes).

This is my life also and I'm cracking up right now!

Neways, the thing with exercise is you are only going to burn fat if you accelerate your heart rate, so if you start to loose your boobs,
you should try keeping yourself cooler and not doing so much at one time.
You can gain muscle faster by adding resistence (weight, bands, etc.). Just don't add more than your muscle can handle,
or you will be outta commission! Raise Resistance Slowly