There is a lot to unpack here and I'll try to be succinct. To be clear I am not giving medical advice. Just providing some prospective as this is not an uncommon issue I deal with in athletes/ people who purposefully train. Part of this depends on your goal. Is it short-term performance or overall health?
1. An elevated A1C means over consuming carbs, increased stress hormones, or training is not structured well. For most people they have some of each. The over consuming carbs can be very individualized, there isn't a set number of carbs. People generally ignore the other lifestyle factors which contribute to elevated blood sugar: stress, poor sleep, ect.
2. A1C measurement has a relatively large margin of error. When performing serial measurement a change of at least 0.5 % is considered statistically significant. Inside that there is some ambiguity if the change is real.
3. A1C measurement is affected by various supplement, Vitamin C being a common one.
4. The normal ranges for fasting insulin and glucose are large and suboptimal for health. Many labs consider a fasting insulin into the mid-twenties to be normal and blood sugar up to the low 100's the normal range. If you calculate insulin resistance using HOMA-IR, these people have significant insulin resistance with "normal values".
If you look at the data a HOMA-IR Score of 2.0 or less is ideal, some studies would suggest 2.5. If you have the numbers you can calculate your score here,
https://www.mdcalc.com/calc/3120/homa-ir-homeostatic-model-assessment-insulin-resistance
5. A1C doesn't tell you anything about postprandial glucose, both of which the absolute number and duration are important. I put a CGM on everyone I am concerned about, whether it be an A1C above goal, elevated HOMA-IR , or very low fat oxidation on their VO2 test. You can order these for home use now directly from Dexcom,
https://www.stelo.com/en-us. This does introduce some bias as most everyone changes their habits slightly when they know they are being watched. You can do your workout and see what is happening your glucose when you carb up before, during, and after your workout.
6. A VO2 test is the most practical way to assess your metabolic health in addition to labs. If fat oxidation is low at your aerobic threshold, that is sign of poor metabolic health/flexibility. For example, if two people have the same AeT of 130 bpm, but one is using 80% fat and the other is using 20% fat these are not the same metabolic state or state of health in my view even though the may have the same AeT and VO2 Max. There will also be the situation where their AeT is very low as they have little ability to use fat as fuel at with even minimal activity. These are training, diet, and lifestyle issues.
7. Most people are spending way to much time in Zone 3-Zone 5. When I here people say I do moderate to intense cardio this is usually means they are above their AeT for most of their cardio. From a health standpoint I view this as metabolic purgatory. Your aren't improving your fat metabolism which is quite evident when you look at your the metabolic data from the test. This is where most people do all their cardio and it is counter productive for long-term health. The caveat to this is if you are wanting to perform better in race you have to spend time training in these zones since that is where you race. That training has to be structured and limited.
8. Total body fat by DEXA doesn't say much about your health and while FMI is better than BMI it doesn't tell you what you really want to know, which is where the fat is. I use VAT area as it has the best correlation to long-term risk of developing chronic disease. Goal is less than 100 cm sq and I consider optimal to be less than 90. You can have normal body fat with increased VAT area. This often goes with less than ideal ALMI in endurance athletes that don't lift.
You are asking some great questions about your health and you are unlikely to find a physician who understands how to put the tests together. Part of this is that there are not many places that offer all the testing in one place so you have to piecemeal the testing together over a period of time. I have some videos on our
YouTube Channel you might find interesting. There is one specific to
longevity vs performance.