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I just use a needle-nose Gerber for my traditional cap rifles and shotgun. I do have a nipple wrench for my revolvers due to the recesses in the cylinder, though.
Here's a rifle with a good view of the nipple (not my pic, but I have a Renegade like this one):
I also have a picture of a rifle with a good view of the nipple, although it is probably not considered appropriate.