Let me also say this. I was a senior in high school or about 18 or 19. I had absolutely zero dark facial hair, body hair or anything. I had hair like Brad Pitt or what ever stupid celebrity you want to imagine but I truly had extremely thick hair. My hairloss has truly corresponded to the small increases in body hair and facial hair. I have facial hair on my neck, and face although its not very thick.
There is a guy at my work who turned 30 a few weeks ago. He has absolutely no facial hair at all and I have heard people say he looks like he is 15. He has a perfect teenage hairline and most people like it. The whole point is though there seems to be a correlation from what I see between hairloss and facial hair which the androgen theory supports if facial hair grows from androgens alone which is not proven yet. Sensitivity of course plays a role but if you removed all androgens Im starting to think a person would never lose any hair at all. I might take propecia because I believe androgens are responsible for nearly all hairloss, but I am not convinced testosterone and other androgen related hormones play no role at all.