Research research research... I would wait as long as you can and listen to what the fellas above said... Enjoy what you have now, see if the fin helps, and really understand what your getting yourself into! I had my HT at the age of 26 and i had more loss than you, i opted for a strip of 2k grafts with a top notch doc an I was on top of the world for 5 years... Having that said I got lazy and got off fin, and guess what happened.... My hair loss accelerated.... I always knew this would be a minimal 3 step process. I am currently back on fin and setting myself up for possibly getting another HT in the next year or so, Im trying to wait as long as I can. Just know if you start to lose your hair early it will almost certainly keep going... Just prepare yourself.... Listen to Mickey85 for your FUE guidance, obviously hes done his homework... You have come to the right place. Hope this helps