Ashley, bending 25mm steel plate to a specific compound curve is a very expensive process, which is why it is only used where absolutely necessary. In a hull this is only in areas that affect flow through the water, i.e. bow shape including the flare to part the waves, and flow through the propellers and around the rudders, i.e. stern frame.
Everything above the water is a lot less shape critical and so flat plate is used as much as possible in modern ship design. There is no value whatsoever in having the top of the bow shaped so I am sure that is simply why it is flat.
This is precisely why cruiser sterns disappeared many years ago to be replaced by transom sterns. Try to find a modern container ship with anything other than a completely flat stern. This is also why even cruise ships are a lot more 'box' shaped than they ever were to maximise the use of flat plate as well as maximise the internal volume available for cabins.