Hey Count...
I feel you man. I am in the same boat, at 23 (going on 46 in hair appearance), I know how much it sucks to be thinning so young. From what I've gathered about the Armani clinic, he is definitely gouging young men based on their desire to keep zee hairs. FUE would give minimal results at best, and be far more expensive. Getting on proscar right away might yield some results for you, and hopefully halt your loss. I'd like to see some pics of your situation, you can search my posts to see some of my own status.
Everyone tells us to be patient, but I know how hard that is. It's crippling sometimes to be the odd man out... Good luck in your search and be sure not to rush into anything with one particular clinic before doing your homework.