Jumping into the conversation here!
Personally, I only wear a bra whenever I go outside, do sports, or have guests at home. My bust isn't all that big, but it is large enough that I can feel "them" jiggling whenever I go without a bra. Common sense dictates that, in my situation, I should be wearing a bra even at home - however, I grew up not wearing a bra at home, so I'm used to a certain amount of bouncing and will happily go without a bra until one of the three situations above comes up. The fact that I always have to wear a slightly too tight bra so that the band doesn't ride up because of my back fat gives me even more reason to go without at home.
That being said, I do believe that all women, regardless of bust size, should try to wear a bra whenever they go outside. Ignoring the size of your bust, I say wear a bra so that your nip-nips don't shine through! Unless you're wearing something that's made out of really thick material (e.g. down jackets), from personal experience, your nip-nips will most definitely be visible!
Which brings me to another topic - bras with padding. My nip-nips protrude quite a bit, so all my bras are padded. I hate lots of padding though, so they are only very lightly lined. The only bra that I own that's quite heavily padded is Maison Close's Villa Satine bra. (If you're looking for a slightly lacy bra that'll look pretty decent under your clothes, I find that this bra isn't too bad. Only one seam shows through. None of the lace does!)
...I guess that's enough on bras for now. Haha, is my interest in this topic shining through?
Edit: Included some photos of me wearing the Maison Close bra with a really thin and light undershirt from Uniqlo. Lace is invisible and seam is almost invisible. I'm pretty sure that a thicker top should disguise the seam pretty well! Also, in general, I find that cowl neck t-shirts do a fabulous job with disguising seams and laces. And if you don't mind going for less lace, there are many bras out there that should blend in with other tops quite well! Just be wary of the seams - but don't be afraid to try them out! Seams work wonders.
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