Dietary fiber (at least fermentable poly/oligosaccharides), while technically a form of carbohydrate, is fermented to short chain fatty acids by the bacteria in your gut. These short chain fatty acids have some fairly special physiological effects that you can't get from other macronutrients. For this reason, from a health perspective it does make sense to treat fermentable fibers as a separate category of nutrient, and set an intake target for it.
Also, lactate is the preferred fuel for your brain; it has been shown that if lactate is available glucose uptake by the brain is _greatly_ diminished. In fact, a major role of astrocytes in the brain is the metabolism of glucose to lactate for primary neurons.
As for the 5% protein number, for starters that is meaningless without knowing the number of calories being consumed. If someone was somehow active enough to burn 10K calories a day 5% protein might be a reasonable amount. For your typical 2K cal/day diet, however, that number is woefully inadequate. 0.8g/Kg/day is the minimum anyone should reasonably be getting, and even non-exercising populations will tend to be leaner and feel better around 1.2g/Kg/day, not to mention athletes who will do best around 1.7g/Kg/day.
Since you're asking personal medical questions, my blood pressure/blood tests are all nominal, my RHR is ~55, and I eat a high-protein vegetarian diet, with the primary protein sources being skim greek yogurt, whey powder, eggs, tofu, edamame, and seitan. Besides that I mostly eat vegetables and noodles.
Please post the actual numbers, as "nominal" levels in a society where it is normal to die from cardiovascular disease, for example, are not a good representation of optimal health.
Well, they'll gain weight; whether that's muscle or fat -- and thus whether it contributes to obesity by the more significant adiposity-based standards rather than the less-meaningful BMI-based standards -- depends on other factors than whether they are consuming more calories than their TDEE.