Lipo is a quick fix but it's not a permanent fix. I'd say you'd be far better off to save the 2k and get the top surgery and then just go back to working out if you want rid of that. Remember that if you're on T, that's where the new fat goes, so it's actually not very feminine to have fat there, it's more manly! Guys who have T in their system get fat there and those without T get fat more in the hips/butt and perhaps chest. Women tend to be hour glass or pear shaped while guys are apple shape with regards to fat distribution.
There's also not such thing as targeted fat loss so you just have to burn all the fat to get rid of it all, you can't specify where you lose fat.
Getting rid of it in a more natural manner is a way that will actually last.