I wish I was on one of those European beaches where women walked around topless...
As for your AA's...I think small breasts are cute. I have no problem with a girls breast size. To be honest I prefer breasts that are smaller. It's more about the shape than size. Plus, beyond popular belief, most men don't like huge breasts. I like all sizes, as long as their not ginormous. Trust me, this guy knows what size chest you have. Just because you're wearing clothes, doesn't mean your chest disappears.
And frasbee is right, learn to be confident about your body. A woman who is confident being nude is a major turn on. You have insecurities and not feeling comfortable being nude will be a turn off to him and like he said, will more than likely cause problems.