Oppai's (aka big boobs) opposite is not loli, but pettanko, or most anime watchers know it as Delicious Flat Chest (DFC)
Loli is just a subset of DFC, where the most widely accepted definition of loli is the requirement that she must be a DFC.
Do note that there's a multitude of DFC's who aren't considered loli, for example Dragon Slave girl of Slayers (Lina Inverse) and 'Having a flat chest is a status symbol' girl from Shuffle (Mayumi). My personal favourite would be the Revolutionary Girl of Hayate no Gotoku, as Hinagiku is just <3
Myself, I lean more towards DFC, mainly because the insecurity anime usually portrays these girls as having is a big moe element for me. But that's the only reason why I find DFC cute, and the moment they lose said insecurity (aka they're a loli, and they have no reason being insecure as they haven't hit puberty yet), I find average girls and even big busted girls to be cuter than them.
Basically, it all comes down to DFC > normal > oppai > loli
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