High beams...funny, I have never heard that term for nipplage! But whatever you call it, I've got it, so I can't wear the unlined/unpadded bras at all if I don't want to show the world too much.

I'm sure there are others, but Victoria's Secret makes a really good sports bra with removable pads that keep things very modest. It's called a Shock Absorber. It runs $45 MSRP, but I just got a new one with tags on ebay for $14.95 -- an amazing deal. I had gotten my first one on ebay a year or so ago so kept looking for another in my size and finally found one.

Not a dumb question at all!