No you dont have to accept it if its making you miserable
Seriously the best thing you can spend your money on is with a good fitting bra. Where I live - rural - getting fitted professionally isnt happening, so I used an online calculator , and went to the three shops we have that sell bras and used that measurement as a starting block, Seriously, take a few hours, wear something lose fitting because you are going to be in and out of changing rooms like a rat out of a trap, but you should be able to find a bra that lifts and shapes , or minimises or whatever it is you want from a bra. And just because that size fits you in that brand, that really wont be across the board. And a balcony bra will be a different size to a full cup. I seriously dont think any of the bras I have are the same size
As for the look of the decolletage , sure mines not beautiful either, add the start of a turkey neck to that as well. Too late for me to be worrying about sun protection, damage is well and truely done, but I moisturise, I might bring a bit of foundation or bronzer down to even the tone ( blur a bit ) add a bit of highlighter to my collar bone and I wear big jewellery - cheap but big.
As for warts, theres wartner and the likes. I actually just picked one off that appeared overnight ( Im not advising that btw) I also exfoliate daily whilst in the shower, just the gloves, but it does help
Seriously a bra that fits and is comfortable will be the best money spent, Just never buy one off the shelf, try one, try a larger band or larger cup because no two bras are the same