It appears that you're at the early stages of thinning on top of your head as well as the crown, but not severely. Using propecia and rogaine for one year is the best course of action, as you're not a surgical candidate for those areas and you may see a nice change with it, or at least stabilize in those areas. If you really wanted to you could have a small procedure to the hairline and corners, but that's your personal preference, otherwise I think you're in pretty good shape. When hair is wet it will always appear worse so don't take that too much into account, but starting meds would certainly be a good idea at this point.