Yes it is true that you have to take medicine for many years. Taking less dosage is the key to avoid side effects. Without medics your hair loss will progress to NW6 or NW7. Problem for you to go for HT now is that you will get coverage in some area, but as you dont want to take medics you will get new bald patches in other areas.
Keep in mind medics may not grow hairs but it will atleast ensure no further loss and thicken the existing hair.
Do lot more research before you decide on your path of hair restoration. Most of us take wrong step initially and repend the decision.