Man your hair is great, and it doesnt look like particularly high to me!
Your hair is probably receeding to a mature hairline. Do you have similar hair to the rest of the family? Did they / have they lost a lot of hair?
SMG would not operate on a 20 year old with minimal loss and is not on meds. Unfortunately however, there are many clinics out to make a fast buck and probably would, leaving you with potentially big regrets in 5 years time.
You should look into Propecia and Regaine, understand the possible side effects, and consider getting on them as a preventative measure.