Advice regarding hairloss needed please

[Shank]

Hi, I've posted previously regarding my struggles with hairloss. I'm a 20 year old asian male who has been noticing a particularly thin patch of my hair at the top of my head where my cowlick/spiral is. I first spotted it in October 2016 and it has been a year or so since then. My father is 58 years old and is probably on a Norwood 5/6. My hair has been very fine and soft and I'm not blessed with the thick full hair that many of my friends have, sadly. Here are some pics:

https://imgur.com/a/zCNEZ

As I'm only 20 years old, I would like to know which options are the best for me. Currently, I'm seriously considering finasteride, but I am not so sure about how long it would be effective for (hopefully, for life). I don't give a crap about the side effects unless they are life threatening as I have no intentions of having kids/a partner due to personal reasons. Of course, in my 40's, I would be open to getting a hair transplant as well.

Hair loss at the age of 20 has been rather distressing for me and it really sucks. I'm desperate for a solution as I'm about to start college soon and I wanna enjoy my life in my 20s instead of worrying and being self conscious about my hair. Appreciate your inputs!