My dear, nobody needs to work out unless they want to. As for what I think of your body shape -- well, I think it's just great, but that's not what matters. Do you like your body?
Having said that, there is almost nothing better for improving your health -- besides quitting smoking -- than exercise. It doesn't matter what kind of exercise it is, as long as you enjoy doing it. It doesn't have to involve going to a gym. Your exercise routine could consist of taking the dog for a brisk 45-minute walk every day, and that's great.
If what you're really asking is "Am I too fat?" (you're not), keep in mind that exercise will only do so much to change your basic shape. Exercise improves health and muscle tone, but eating less/eating right is more important for losing weight. Again, I'm not saying you need to lose weight. It's just that a lot of young women feel like they do, and if you're asking everyone "What do you think of my appearance," it makes me feel like you're one of them.