How bad is it guys?

Alright so I've noticed I have a very thin spot of the back of my head. The question is though how bad is it? How much worse will it get? And why is the whirl area losing hair but no where else. I'm not depressed about it or anything but I imagine shaving my head everyday would be pretty annoying. I've asked my friends and family and they keep spouting out the classic "itsa cowlick bro" phrase, let me tell you, that ain't no cowlick that's a damn cow BITE and that is balding.

http://www.ultraimg.com/image/YoYI

http://www.ultraimg.com/image/YoYD

probably just the way your hair parts. lots of people have that. when did you start noticing it?

It's starting.

Two Choiced: 1) Fin 2) Live as a bald man

I'd rather get a transplant to be honest, if anything the faster I bald the better so I can get one sooner... but it really depends, if I like the shaved head look I'll keep that though shaving everyday sound really annoying. Fin sucks though and I'm sick of people shilling it, there's way better options

Like 4 months ago. I'm 90% sure it's balding though and even if it isn't it still looks HORRIBLE