For myself, I am not as shaggy as a bear! I have a little shaggy that fills in only my upper torso, it does not continue on to my stomach and have a really little spot around my belly button. It is also mainly contained between my breasts, but I have a little bit around the nipples. I tend to trim it with a hair clipper so it doesn't look like a mess but I don't shave it totally so I don't look like a 12 years old guy.
I would also say my nipples are average size which is about 3/4 of an inch in diameter.