Below are the size charts for Banana Republic, J. Crew and The North Face.
Waist 28 inches
"Hips" 43.5 inches
Not even fair to call them hips, I mean they are under there somewhere, but a lot of that extra bulk is just skin. Based on my waist measurement I wear a solid medium (or even a small!). But when you have to factor in my hips then I move into XL territory for my favorite mall stores and just barely a large for the North Face. And you wonder why all I wear are skirts and dresses? The numbers don't lie.
Maybe it is time to reconsider my fear of the plastic surgeon.