I have two pairs of bib shorts which I got by default as my partner didn't like the chamois.

I use them on cooler days - they keep my lower back warm and because they are higher over my waist they often give enough extra protection on my lower chest to mean I don't need a wind breaker.

I do find they tend to slip off my shoulders... I think they are too long for me and I am going to alter them so they cross over at the back.

I have dropped numerous hints that I would like the bib shorts for women... I forget who makes them but the front straps are actually one that run down between the breasts...

I don't use bib shorts for races simply because I always need to pee before the race, and as Eden says, its a bit of a hassle for us gals!

Re the nipple rub - I think because the straps are lose this hasnt been a prob for me, but the way I am going to alter them I dont think it will a hassle anyways...

My partner has lots of pairs of bib shorts, and does several 90-130km training rides a week, most of his training rides are at least 2 1/2-3 hours long... he rides 6/7 days when well... he has never had a prob with nipple rub...