From what I've seen on this forum, your not in the minority in not seeing Monica Sweet as "not an attractive woman" to you.
For me, however, she my favorite, and sits comfortably on the top of my list. No girl has come close to knocking her off the pedestal I have placed her on.
As for your question on nipples, I have no preference. When shown through clothing, they neither excite or repulse me. Those see-through tops, as shown in Jana H's card 168 shown above, I don't usually like, with a few excpetions.