I am also a D, with not a large bust. I am LOVING the way scarves look on me! I am nearly 6 feet tall and my neck is fairly long, so I don't have your particular problem. But I feared adding bulk to my front, where my tummy is not flat. Of course, not every person looks good in any one item.
I tie my long, thinnish scarf loosely so that the knot is just above my bra center and let it hang down. I have also tied it with one loose bow hanging down and it looks pretty good. It does not look as good for me to have a scarf wound around my neck, and I'm pretty sure that shorter D's are benefitted by a vertical accessory (long necklace, etc.).
Happy scarf-wearing!