hi ausboy
first thing dont panic , your 28 and are only starting to notice the signs of mpb .
you have plenty of options to you and if can act now then you will be ahead of most in the game. (no point closing the stable door after horse bolts)
i too was around 27/8 when first noticed thinning at the temple region luckily this didnt transfer to the crown region (still hoping) . i did nothing for about two years and it gradually got more noticeable and more upsetting for me. it really affected me.
i was suffering from alot of stress at the time as well as the hairloss . i never went to my gp first but i would reccommend doing that first so a trained medical professional can explain the reasons and options to you. he may or may not prescribe you propecia or the like.
i currently am only taking minoxidil as i dont like the idea of taking propecia given the possible side effects. i would highly recommend starting minoxidil immediately.
next port of call would be to visit some local hair clinics and find out from them possible treatment options etc, it would probably be wise to give it a year or so before committing to any treatment to see if your hair loss stabilises.
again before committing to any surgeon do your research , however you have found this site and im sure now that you have you will avoid many of the pitfalls people can make in tackling their hair loss.
good luck and keep posting questions here and the like