Not that bad. Personally I would wait. If your really paranoid see a doctor or derm and get a real life opinion where they can examine your hair in real life. If on close inspection they cant tell your going bald than its too early IMO to start on life long medications.
In a few years there will be safer better options (hopefully!) so if you have time there is no point jumping into hormonal drugs. If your really balding they will tell you, and recommend options. They arent perfect, but most derms deal with hair loss regularly so they do know some things about it.