Depends, I do enjoy teasing nipples through a shirt when I want to get a girl worked up. But if it progresses, the shirt comes off. Watching a girl’s boobs bounce while I fuck her is very nice

Thought there might be pretty nipples under that shirt. Always good to get those suspicions confirmed.

Off for sure but with your shirt on I’d be undressing you with my eyes, imagining those VERY sexy tits.