6'4" bench press - Bar Path

I am hearing many words about how bar needs to touch your nipple line or below nipple line when bench pressing. I find that difficult to do (most probably due to poor form of mine) but I wanted to hear from you guys - I also think where the bar touches would depend on your arm length hence your height ( i may be wrong on this as well)

Anyone here who is over 6'3" - do you bring the bar all the way down to your chest and if so, where does it touch on your body?

Thanks