Hey, I have been reading gourmetstylewellness.com forums for over 3 years and never registered, saw this and seemed similar so thought I would do so.
I was in about 27/28 and had a similar hairline- that is not a good feeling, knowing that it's not bad but you can see it is going to get worse. I went to Boots and was turned down for Propecia because at the time I was "barely even a NW2", and you have to be at least a NW3 (or showing vertex action) to qualify for their hair retention programme.
I went back 6 mths later. I thought I had gotten a little worse, but again no dice. My doctor had refused a prescription as well (he actually read me the medical textbook definition of finasteride and the side effects, without stating that these were POSSIBLE side effects). I spent 120 pounds on a trichologist appointment which lasted 20 minutes, told me nothing I didn't already know thanks to gourmetstylewellness.com, and where I was recommended to use Rogaine first off (which I knew was stupid).
I got propecia by going to another branch of Boots. The person appraising your situation there isn't an expert in hair loss and if you can convince them they will probably start you off. Remember, they are a business and want your money. From what I have seen, they still offer the cheapest brand name Propecia around if you are on the correct price scheme (I live in Thailand now- it is slighly cheaper here but on a Thai salary it works out to be more expensive!).
I honestly think that if I had started sooner on Propecia and hadn't wasted 6 months trying to get it properly, I might be in a better position now. No-one would think I was bald, but it does get a little more receded with each passing month (maybe NW2.5 now, though it would take very little to get worse). I've been on Propecia coming up to 3 years, and though I agree with a poster above that it might be best to "ration" using it considering it may only last a short while, you can't tell when male pattern baldness will have gone too far to easily stop or slow down with meds
I would think I had less recession than the OP when I was older than him. The trouble is, you just never know when or how fast male pattern baldness will go. It's all a gamble, and that really sucks
Sorry for the long post, just the story seemed familiar...