Pretty fat & bloated rn. Cut 20, or 30 more lbs before hopping on test?

[Tneedtoimprove]

I'm 164, 5'11.9, 31" waist circumference, 21.5" bidelt. Not "trained" yet, obviously. I've only consistently been in the gym for 2-3 months. I'm on reta & cagri rn for fat loss. Should I cut 20 or 30lbs before hopping on test?

Shirtless, unflexed, neutral physique pic.

Also, how bad are the muscle imbalances?

 

[Tneedtoimprove]

bump