You'd be surprised the size of man-boobs

on most cis-guys anyway.
Most of my guy friends have some level of 'flab' there, and those that don't tend to spend
unnecessarily large amounts of time at the gym

(not that they're more fit...they just bulk)

^ look at Louis Theroux for example,
with any luck you'll probably end up in the range of normal guys anyway with boobs of that size
p.s. at that point no one cares what a guys chest looks like