Welcome.
Let's get right to the meat of things. This:
naturally store higher levels of fat
is hogwash.
no amount of cardio, lifting, supplements, or determination has ever helped me with this.
The bottom line here is calories in vs. calories out. Even if what you eat is healthy, if you're eating too much, you're not going to lose weight. Exercise is only a small fraction of calories burned per day.
Supplementing chips with fruit doesn't make your diet any more "weight loss friendly" - it just means you're adding more calories to already junky calories.
The first thing I'd suggest is registering at a free site like fitday.com or thedailyplate.com and logging what you eat. You'll very quickly get a clear idea of how much you're eating - how many calories you're getting and how your nutrients are balancing out.
At 165 lbs, you should be eating around 2500 calories per day to maintain your weight and around 1700 calories per day to lose at a healthy and sustainable rate.
I suspect, if you're eating protein bars, chips, lots of fruit, sandwiches, and steak, you're getting a lot more than 2500 calories per day.

Not to mention Chinese food (as it's prepared in America) is one of the most diet unfriendly foods out there. It's not unusual for a single Chinese food meal to approach 5000 calories.
I think for you it's all about what you're eating. If you get control of that, you'll see the weight come off - especially since you already have a good exercise plan going.