how bad is it and how bad will it get

[BaldBearded]

https://ibb.co/dN0Ymb

The temples aren't too bad, slightly receded. I think I'm nw3 vertex because the entire hairline receded a bit not just the temples but I'm not sure .
How much longer until I go completely bald? I don't mind going bald but it's kinda bullshit to go bald at a mere 21.

I don't have those answers, no one has. It's your genetics and biology...