Thank you for pointing out the nuances of female tops commonly available today and how they look on different body shapes.
With regard to button-up shirts, tailoring is a much bigger problem for women's shirt than men's shirt. Ready-made men's shirts are measured in collar size in 1/2" increments and sleeve length in 2" increments. This allow for much better fit, as men's shoulder and chest measurements tend to correlate with these two numbers.
For women's shirts, you're at the whim of the mythical "sizes" running usually in increments of 2 from 0 to 14 (larger if you're at the "plus" section). Each size up is usually scaled up at all measurements: chest, shoulder, waist, collar, shirt length and sleeve length.
In other words, even though there's a much wider variety in women's body shapes than in men's, men's shirts' come in much finer increments in terms of sizing.
In addition to the problems you've describe, I have a few more gripes regarding button-up shirts:
There's the problem of large gaps opening up in between buttons for the well-endowed, thus offering others glimpses of your undergarment (read: bra). Opting for a larger size would make the shirt too loose ("not fit") at the shoulders.
Another common problem with button-up shirts for women is, they tend to run much shorter than men's shirts, as they are intended to be worn not tugged in. Depending on body shape and the cut of the bottom garment, certain movements (such as raising the entire arm) may expose skin along and possible above the waistline.
Unfortunately, button-up shirts are part of the de facto business casual attire. Depending on the physical environment, adding a vest, cardigan, or jacket for cover-up may not be suitable or desirable. (Female jackets tend to hang above the hip bones anyway, so they're not offering much help in the regard of protecting skin from being exposed.)
In other words, no, I don't want to expose my skin or cleavage in the office, but sometimes it's unavoidable.