Wondering about hair thinning/receding

Hi Everyone.
I’m a 29 year old male. I’ve usually had a head full of fine hair. My question today is about the back of my head. Most times when I got to a barber/stylist I hear a comment on how I have a large cowlick. Ever since I was a child.
Now almost 30, my hair has receded a bit around my temples but nothing severe so far. I looked for the first time at my cowlick area and was startled with the bald spot look. But- hair loss paranoia was already on the mind and it is a whorl with hair going every which way. I will attach some photos and want to ask your opinions. Unfortunately I do not have before and after photos from a few years ago to now as I’ve never thought to look before.
I’ll include a photo of my front hairline as well just for kicks. And also wanted to ask anyone’s opinion on side effect risk/reward from 1mg finasteride. (Man boobs & permanent sexual issues being among the worst I’ve read)
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