I finally got my BF% estimated today using skinfold measurements. It came to 24.7%! And when I use my height/weight/waist/hips/neck measurements for the US Navy estimate, I get 24.7% too. ;)
Based on the US Navy formula, I started at well over 50% Body fat 2 years ago. I started in Feb but didn't take measurements until April and then my BF estimate was 52% so I know I started well over that. I wish I got my BF tested from the very start but I'm guessing low 50s is a good estimate.