Ok, I got my BF measured last night by someone at my gym. Here are the gory details. I'm not happy about the number, but at least I know what I'm working with now and the number is now at a higher certainty.

Height: 69 in
Weight: 167 lb

Body Fat: 21.7%

Abdomen Circumference: 34.5 in
Right Bicep Circumference: 12.5 in
Right Calf Circumference: 15.00 in
Chest Circumference: 37.5 in
Right Forearm Circumference: 10.5 in
Hip Circumference: 40.00 in
Shoulder Circumference: 44.50 in
Right Thigh Circumference: 23.00 in
Waist Circumference: 32.5

Chest Skinfold: 22.0 mm
Tricep Skinfold: 12.0 mm
Suprailium Skinfold: 19.5 mm
Abdomen Skinfold: 31.0 mm
Thigh Skinfold: 28.0 mm
Subscapula Skinfold: 12.5 mm
Midaxillary Skinfold: 23.0 mm

Estimated Fat: 36.24 lb
Estimated Lean: 130.76 lb

Forgot to add that she did an electrostatic measurement and it came out to 19.7% bf.

Here's a web site for body comp using calipers:
http://www.exrx.net/Calculators/BodyComp.html