[Pansy-Mae]

Looking at those pics, my thought is that the LH one does look like small developing breasts, the centre and RH still look like moobs. So on that basis I guess you are approaching the point where going shirtless will become problematical. However, unless you go in for tight fitting shirts, I'd say you still have fair way to go before a loose shirt isn't enough to disguise them.

For me, I'm still comfortable, but rather careful, just wearing a normal male shirt. I went topless but with a great deal of wariness on the beach a few times back in June.