Sometimes those little chest pockets come in handy. I have even put keys in there as a short-term solution if I don't have any other place on me to put them. (And that's probably only because I fell for some salesperson's spiel about pants with NO pockets.)
No, keys in the chest pocket are not comfortable and I don't recommend it as a practice, but sometimes the little pocket is needed for keys or other little things if there is no alternative.
I don't find chest pockets masculine or unfeminine; to me they are neutral and just "sporty."
There is room in the world for tees with pockets and tees without pockets.
[was Homegirl] Love to be home . . . thus the screen name. Joined 2003.