If you go on a reflux forum, I think you're going to find people who see your baby through the reflux lens. Honestly, one of my biggest problems with reflux is that it is over-diagnosed. Yes, there are definitely babies who have real problems with reflux. Babies who are in pain, babies who feed less than they should and gain less weight than they should as a result of that pain. But the symptoms of reflux can be cryptic, and it's very easy to assign every puzzling baby behavior, every fluctuation in weight gain, every spit-up event, to reflux. This is why most babies did just fine before the invention of anti-reflux meds- most of them didn't have reflux. And those that did... Well, they eventually outgrew their reflux and did just fine.
Your baby seems to be gaining weight just fine. You're not in pain when you nurse. The baby is nursed on demand, spits up but isn't in pain when she does it, and eats a normal amount. She's got fat rolls and the doctor isn't concerned. I'm just not seeing a reflux-y pattern here, YKWIM?