Hi, I'm a woman. #1 is definitely the more likely scenario, based on conversations I've had with other women without large breasts. The only people who like wearing bras are people who feel like they need support for whatever reason. For everyone else, they are complicated nipple covers that you are expected by society to wear.
I'm a man, but this reflects what I hear from women too. Those with larger breast really appreciate the support from a bra. Those with smaller breasts mostly prefer not wearing them (from a physical comfort perspective at least).