I haven't really had much breast growth. Not too sure about whether I should be blaming my luck or my weight more, but regardless, the fact stands. I don't really need the support from bras, but I don't like poking at my shirt when it's cold ... so I wear either a sports bra, or an undershirt. An A-cup is still a lot bigger than I am.

I've been on hormones for two years so far, and the nipples and areolae are not different from their pre-HRT form. Maybe breast growth would catalyse a little development here, but I can't really say that I know - at least, in my case.
More trans women get nipple and areolar development than not though, as far as I've seen, so don't spend
too much time worrying.