I use to work at the gym as well as personally ranging from being very fit to being very unfit.

All in all, from my personal experience, I think most girls like guys who are 'average' to 'toned and in shape'... Guys who are REALLY big or REALLY ripped seem to turn the average girl off more so then they turn them on.

Finally, I also think a lot has to do with your body type. Guys who are more 'average' build can get away easier being in 'average' shape. Guys who are more slender (like me) tend to need to be a little more in shape to off-set the smaller frame or risk looking too 'wimpy'. In general, girls want to feel protected so if you look like you couldnt protect a warm cup of piss then you might be losing some potential points