Are you sure you're a girl?
That's a dumb answer --either dumb because the poster is trying to be insulting or because they don't know that even men have sensitive nerve endings in their nipples. Most of male and female plumbing is hardwired the same way. After all, all humans were once female (in the embryonic stage)!
You are absolutely correct - all babies have a penis. They fall off of the smart ones!
I had a girlfriend once for 7 yrs and she had the same thing. She had small breasts with large nipples and she always wanted them pinched really hard. The harder they were pinched the more turned on she got. The first time she played with them in front of me, I was amazed at hard she squeezed and pulled on them. It did'nt take long for them to get hard either.