What procedures would you recommend for someone to reduce the size/shape abdomen & thighs for someone who is muscular? (photo)

I have been athletic my whole life, with above average muscle. I have thyroid disease and PCOS. I am 32 and a size 14. I ride horses. I work out and eat right but I fall off the wagon when I don't see the results I would like to get. My lower abdomen hangs over my pants and my inner thighs rub together & cause me to wear pants to avoid rubbing injuries. I looked at coolsculpting, thought it might help me lose a few inches, but after reading reviews I don't think that the cost will=the results.