Depends, I do enjoy teasing nipples through a shirt when I want to get a girl worked up. But if it progresses, the shirt comes off. Watching a girl's boobs bounce while I fuck her is very nice
This little unevenness of tits is a quirk your lovers would remember years after. It makes you unique, with no downsides. You can tell an attentive partner if they know it.
I like both pix. I like how your nipples are visible through the sweater in the left pic. I like the right pic because I can see you fabulous tits in all their glory.