I don’t have the choice to keep my top on. Because I’m female, and I have female anatomy, including female breasts and nipples. I have no choice but to keep my top on, unless I am willing to risk breaking the law. Doesn’t sound like much of a choice, does it?
It’s required by law (in all these US states/cities) to keep my breasts and nipples covered, even in the same places where topless male breasts (yes, they have breast tissue) and male nipples are considered acceptable to expose.