Chrissy Teigen thinks nipples are like the Mona Lisa ... completely overrated.
Teigen ran into our photog in Bev Hills Wednesday, telling us why she "f**ked" with Instagram this week with her bare boobie photo assault.
Clearly, C.T. doesn't think lady nips are a big deal ... and vows even MORE social media toplessness in the very near future.
In other words, she's gonna milk this controversy for all it's worth.