On the plus side: this also makes it double as hot if your girl is one of the few (or only one) going topless.
My ex would often be the only one topless of her age (early twenties) and sometimes the only one topless at all. I have fond memories of her being the only one topless at the swimming pool area of a hotel, while having casual conversations with me, or reading a book, or applying sunscreen to her body (nothing as hot as a girl applying sunscreen to her breasts in public, right?).
The downside is that the lack of toplessness raises the threshold for other women to go topless. My other girlfriends never wanted to go topless, unfortunately...