The good news is that you've got an hourglass shape where fat is distributed more safely away from your organs as visceral fat where it's a much higher risk of interfering with your body's metabolic processes.
Age matters with BMI. We naturally gain weight as we age. The lower end of healthy BMI is a good place for young adults who have had fewer hormonal shifts such as pregnancy and are highly likely to gradually acrue weight over the coming decades. Older adults can benefit from the fat reserves of being mildly overweight.
This year I've been around BMI 25-26. Even being short (5'2"), it's not that obvious, and is partly bolstered by good muscle mass which is great. But there are a few kg of fat that I don't need, that slow me down, that make clothes tighter or lumpy. Being mid-40s, I'm getting to the harder to maintain, easy to gain, hard to lose stage of life despite having a lot of decent habits, but the reality is too many unhelpful habits have crept in which need challenging. It might not be an issue now, but future-me will appreciate what I manage now.
BMI 20 me was great 25 years ago, but that was pre-children, pre-weight training. I have no desire to go back there again. I looked good at 22 in my mid-30s post-children, but I hadn't started weight training then, so I think that's on the low side of realism a decade later. I'd rather aim for 23-24 to keep a little buffer for Christmas/ holidays because life happens.
The "right" BMI is personal, but the further from the healthy zone, the more likely it is to impact quality of life and health. Nothing magical happens between 24.9 and 25. If 26 or 27 suits your build better, that's fine, and better long term than being 30+.
I'd say break it down to smaller, achievable goals and re-evaluate at each waypoint to see what's the right place to be for you.
I like The Body Coaches before/ afters. They're interesting to see what the range of an individual's proportions can be.