look closely at my pics... I've had that since puberty and I'm 33. It definitely HAS gotten better in the last few years when I took two long (year +) breaks from hormones and then when I got back on I didn't just indescriminitely jam test and deca, instead going for the short ester compounds.
Still, I hold fat and water in the lower chest/nipple area and it's annoying. Even when I'm 5%, there's a tiny amount left. It's not gone until I'm shredded ripped totally ready and won't come back until the estrogen levels increase enough. Of course, you need the estrogen to grow, so it's a double edged sword.