My breasts are really big, but I don’t seem to have nipple development. I don’t even see a lump.

I THINK you’re asking if they’ll stick out…and that varies from person to person! You should definitely notice the areola, which is the dark area around the nipple, and then the nipple itself, which will feel like the firm darker nodule at the center of the breast. Most individuals won’t notice a “pronounced” nipple unless it’s stimulated (meaning cold or aroused). It’s also totally fine if the nipple remains flat all the time. You are correct in that breast development takes years and the nipple/areola develop at different times than the rest of the breasts. But I wouldn’t worry (or you can double check with your doctor).