My baby likes to hang out quite low too... I'm 23 and a half weeks and she is still pretty low but moves around a lot... My poor bladder hasn't been getting much of a break tho!
My baby chills at the bottom too lol. At 20 weeks the top of the uterus is level with the belly button but I felt it mostly at the very bottom, like in my bikini area lol. I'm 23 weeks almost 24 now and I'm just now starting to feel her in the middle. :)
My baby has always sat low and ill be 24 weeks tomorrow