The most probable is you have genetic alopecia, but right now you have almost 100% of the hair. So in the next 2 or 3 years you can measure your hair lose progression and make then a decision.
I don't agree young people starting treatments when they don't really need them, but anyone decides. I think you won't be bald as rapidly as your father was. However, if the short term future concerns you go to the dermatologist's, because young people shouldn't try minoxidil or finasteride by themselves. Right now you can start using shampoos that help you a little bit to lose less hair (read here).