My DD has had a surprising amount of luck in the target girls section. They often have some sort of overlay in the chest area in addition to lining like this one:
https://www.target.com/p/girls-strip...45#lnk=sametab
She also does swim team and thank goodness her swim coach has picked a pattern/style/material that is super thick and covering rather than what most of the teams around here wear, DD would want to give up swim before wearing those. for practice DD likes the dofin uglies line in lots of pattern:
https://www.swimoutlet.com/p/dolfin-...-8-16-8135798/