bob marley- I have some of the same fears as you but one thing I will tell you from personal experience is male pattern baldness is very unpredicable. Read my post in "my story" section. I am 39 and mine started at 17 and has been very very very slow until about 2.5 years ago (ironically about 3 years after I started on minoxidil). You may be like me and get 20 years or so before it kicks in and by then I am sure treatments should be even better. Don't thrown the towel just yet-wait and see what happens as you are too young to give up so soon.
Good luck to ya....
Good luck to ya....