I'm absolutely sure you don't look like a sack of spuds at 9 stone 10. However, I do know that at 11 stone and 5' 8" I did have unevenly distributed fat, that I wasn't happy about, whereas a wide hipped woman could have been my height and weight and have had a smoother silhouette.
So OP does have a smooth silhouette but is definitely overweight but people on this thread have guessed a much lower weight or say 'you carry it well', they mean she has no definable rolls of fat, as a women with slim hips and small breasts would at the same weight and height.
I have very small breasts, so I can never carry any weight there. I do have a very broad ribcage and shoulders and very slim legs. If I put any weight on, it goes all on the torso so can look imbalanced very easily.
I think this is why these conversations happen. Because people do carry weight differently, and it's harder for more 'apple' shaped women to take on extra weight.
I saw a woman at the gym today, she was tiny, maybe 5' and probably 7 and a half stone, but she had a distinct 'roll' above her leggings, and no-one could accuse her of being 'fat', OP is more than twice her size and has no roll.
Very few people these days actually have a smooth silhouette. Really.
But it's easier to have one if you're pretty young and wide-hipped.