20 years old and I’m in trouble (photo)

Hey. I am a 20 years old guy and I am loosing my hair on my temples since I am 16. Right now there is the point where if I don’t go on medications I won’t ever do it because then my hair is too fucked up and it is already pretty bad. My urologist told me to not go on fin, he said it is not worth it and I should not fuck up my hormones. But lately hair loss is making me very depressed. How rare are the side effects to occur? And I don’t mean just ED. I mean brain fog and penile shrinking and stuff like that. It seems to be soo fucking retarded to repress DHT, a Hormone that is 5 times as strong as Testesterone. I mean if I hop an fin I would also hop on min, keto and dermarolling. Just to get a bit of regrowth. The thing is I already shaved my head bald 3 times and I instantly regretted it because people are me as an alien… what do u think ?