Hi, Lucy! Haven't posted here in a while, but I'm glad to be back. Everyone's replies so far have great imput for you and I'll give you my two-cents (I'm a personal shopper, BTW):
The body types mentioned (pear, apple, hourglass) are all general guides. Some people fit exactly and it's obvious, but most of us have some or all of each of these.
A true pear does have narrower shoulders than the hip & thigh. A true apple when gaining weight or losing, always comes and goes from the waist/midsection. An hourglass has same width in shoulders and hips, but usually has bigger bust and keeps weight on at the bust.
All this in mind, I would suggest that you are an hourglass with pear tendencies. When shopping for dresses, I think you should act like an hourglass. When shopping for bottoms, think pear because you'll want to accomodate your hips and thighs. I also recommend tops & dresses that have a slight empire waist; just above your belly button. This will show your shape and hide the slight apple tummy. I also suggest that for tops look for length that comes just up to the top of your hips, this also will show your curviness. Avoid tops that come to the widest part of your hips and pull - they will give you too much of a straight torso. Curviness is an asset!
The great thing about Angie & this site is celebrating all body types and people. Hope this helps.
Lauren M.