When you say ‘fasting mode’, this is basically as soon as you stop eating - your body will use up its liver glycogen stores, and then tap into fats as your body transitions to ketones. Remember, not all calories are the same - your body processed fats differently to how it would process sugars/carbs.
And with eating windows, the reason it’s ideal to eat in shorter windows, is to reduce the amount of time your insulin spikes. The more your insulin spikes, the higher your insulin resistance becomes.
Unsure about your second point, but I think the amount of calories your body burns (metabolic rate) remains unchanged - whether it’s fuelled by glucose or fats, your body will still need to find a fuel to maintain your body activities.
Also, at 21% BF, I think your body will still keep burning fats - your body won’t break down muscles until your fat stores are much lower. Hope that helps
yes, calorie deficit is still king here. your body pulls from its fat when its energy needs arent met from diet regardless of insulin presence. intermittent fasting improves insulin sensitivity, but lack of insulin at that time that isnt the cause of fat loss. that is misinformation. fat is being stored and used on a constant, simultaneous basis in greater or lesser degrees depending on what is coming in. its when less dietary energy comes in that the degree of fat usage is greater, resulting in fat loss.