Yeah, I see OP's point. I've debated this a bit myself. I don't care for nipples, and I don't take off my shirt for any occasion other than showering. I don't care about what others think about my body, and I don't show it either. I don't think that'll change about me.
I do think people intimate with a post-op nippleless man are bound to question why their partner doesn't have nipples, and that issue might add further stress when discussing the other differences with the lower body. Some people have a low tolerance for abnormalities.
When looking at Halloween prosthetics, I ran across (medical grade?) stick-on nipples for mastectomy patients. I doubt they make male mastectomy nipples, but I have no idea how big or small they are, so they might be able to be trimmed down. I don't think they'd be too hard to make either, since there are certain caulks with high silicone content. I guess that could cover a temporary situation with minimal contact and personal space. It seems risky, but it might be an option for people who don't want nipples and care about seeming normal in permitting situations.
I wonder if a FTM that got breast cancer and had a double mastectomy covered under their medical care could opt to go nippleless. I heard that a second procedure (not covered by insurance) would have to be done for the nipple graft because it is considered a cosmetic thing. Obviously, if they went with a nippleless option, they'd have no nipples. However, they wouldn't have to have a second procedure done, they'd have presumably no extra cost, and they would no longer be pestered by having Female nipples.